How a Former Prop Trader Outperformed the S&P 500 With a Halal-Only Portfolio
The 5-Point Scorecard I Use to Find Undervalued Halal Stocks — Before They Move
Free for Muslim investors who are tired of knowing what's halal — but still not knowing what to buy.
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Most halal investing content teaches you the same thing...
Which sectors are haram. Which ratios to screen. Which app to download.
That's the gate. But nobody teaches you what's on the other side of it.
Once you've confirmed a stock is halal — then what? How do you know if it's worth buying? How do you know if it's undervalued or overpriced? How do you know if the business is genuinely strong, or just passing a filter?
That gap is where most Muslim investors get stuck.
They know what they can't own. They have no framework for what they should.
Here's what that looks like in practice...
You find a stock. You run it through Zoya. It passes. You feel good.
But then you buy it at the wrong price. The business deteriorates. The debt was higher than you realised. Or you just didn't understand the business well enough to know what you were actually holding.
Six months later, you're down — on a halal stock. And you're not sure what went wrong.
The halal screen is necessary. It's not sufficient.
Leverage the expertise of a former proprietary trader
with A proven track record and Years of hands-on experience managing real capital
Rizal M
My name is Rizal.
I spent 20+ years in financial markets — starting in options trading while I was still an auditor at KPMG, then in wealth management at Standard Chartered Bank, then as a proprietary trader managing real capital.
In 2008, I nearly learned the most expensive lesson of my career. The crash didn't just hurt my portfolio. It changed how I thought about money entirely.
That was when I stopped chasing returns and started focusing on barakah. Not as a workaround. As the actual strategy.
Since then — through the market volatility that's followed, including the recent tariff-driven crash — I've consistently outperformed the S&P 500 with a 100% halal portfolio.
Not because I got lucky. Because I have a methodology.
This checklist is the foundation of it.
The Halal Stock Scorecard gives you 5 points. 21 checks. One clear answer...
1. The Halal Screen
The proper screen — not just the obvious sectors, but the financial ratios most Muslim investors miss (riba income threshold, receivables ratio, debt-to-assets). Covers the AAOIFI standards that actually matter.
2. Business Quality
Does this company have a durable competitive advantage? Is it growing? Is the cash flow real? Four checks that separate a genuinely good business from a cheap one.
3. Financial Health
Can this business survive difficulty? Current ratio, debt-to-equity, interest coverage. The balance sheet filters that protect you from value traps.
4. Valuation
Are you paying a fair price? A simple intrinsic value method, margin of safety calculation, and a dividend purification note for halal investors. The part most investors skip entirely.
5. The Barakah Check
Does this investment align with your values and your niyyah? The check no conventional course includes — and the one that shapes your relationship with the outcome.
"I've been investing for three years and never had a clear framework for what to do after the halal screen. This checklist gave me that in 10 minutes."
— [S.J., Melbourne]
"Point 4 alone changed how I think about stock valuations. I've been buying without any margin of safety calculation and didn't even realise it."
— [R. H., Melbourne]
"The Barakah Check at the end is something no one talks about. Made me reconsider two stocks I was about to buy."
— [S. M., Singapore]
Who Is This For...
This scorecard is for you if:
✓ You know halal investing matters but feel lost once you've passed the screen
✓ You've bought stocks that felt safe and later regretted the decision
✓ You want a systematic way to evaluate a company — not just a feeling
✓ You're building wealth for your family and want to do it with intention
This is not for you if:
✗ You're looking for hot tips and quick wins
✗ You want someone to just tell you what to buy
✗ You're not willing to spend 20 minutes thinking before you invest
It's free. It takes 10 minutes to read.
If you apply it to one stock this week, it will be worth it.
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From Rizal — former KPMG auditor, ex-Standard Chartered Wealth Management, proprietary trader, and founder of Barakah Profits.
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