u/Environmental_You140

Salam all,

Wanted to get some community input on how people are allocating their halal ETFs across registered accounts.

I've been looking at SPUS (US large-cap), SPWO (international), and ZGLD (gold) as a core portfolio for long-term growth. But I'm wondering — does it make sense to use the same mix across RRSP, TFSA, and FHSA? I mean 70/20/10

A few questions I'm thinking through:

1. Do you hold the same ETFs in all accounts or do you differentiate?

2. How do you handle the FHSA specifically — since you'll need that money sooner, do you go more conservative?

3. Any halal fixed income in the mix or purely equities? I have heard people lose money with SPSK sukuk.

JazakAllah khair for any input 🙏

Salam all,

Wanted to get some community input on how people are allocating their halal ETFs across registered accounts.

I've been looking at SPUS (US large-cap), SPWO (international), and ZGLD (gold) as a core portfolio for long-term growth. But I'm wondering — does it make sense to use the same mix across RRSP, TFSA, and FHSA? I mean 70/20/10

A few questions I'm thinking through:

1. Do you hold the same ETFs in all accounts or do you differentiate?

2. How do you handle the FHSA specifically — since you'll need that money sooner, do you go more conservative?

3. Any halal fixed income in the mix or purely equities? I have heard people lose money with SPSK sukuk.

JazakAllah khair for any input 🙏