u/ImAqui — reddlx

My 5 Shariah-compliant stock picks this month — based on a quantitative trend screen

I've been running a systematic strategy on Shariah-compliant US stocks. Each month it ranks the eligible universe by trend strength and picks the top ones.

This month's picks:
AMD · SNDK · STX · ON · MU

All semis and storage. When a sector is trending hard, the model loads up. No manual override, no opinion — just what the data says.

All five pass Shariah screening (no excessive debt, no revenue from prohibited industries). I'm not a scholar — I use established screening criteria, so do your own due diligence on compliance as always.

Anyone here follow a systematic approach to picking compliant stocks, or mostly doing fundamental analysis?

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u/ImAqui — 7 days ago

▲ 20 r/HalalInvestor

My 5 halal stock picks for this month

I run a quantitative strategy on Shariah-compliant US stocks — basically screening for the ones with the strongest upward trend each month. Here's what the model picked:

AMD — Advanced Micro Devices SNDK — SanDisk STX — Seagate Technology ON — ON Semiconductor MU — Micron Technology

Full semiconductor sweep this month. The model doesn't care about sector balance — it just follows where the strongest momentum is. Right now that's chips and storage.

If nothing looks strong enough in a given month, the strategy goes to cash instead of forcing bad picks. That's the part I like most about it honestly.

Anyone else holding any of these?

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u/ImAqui — 7 days ago

▲ 2 r/IslamicFinance+1 crossposts

I stopped letting my emergency fund lose value to inflation. Here's the math.

Salam everyone,

Standard advice: save 3-6 months of expenses before investing anything. It's solid advice. But since we can't earn interest on cash, that emergency fund just sits there silently losing value to inflation every single year.

I wrote about this here with a spreadsheet you can copy and plug your own numbers into: https://trynumu.app/blog/emergency-fund-paradox/

But the TLDR is:

I'm not saying invest your emergency fund. That money stays untouched. What I'm saying is — once your savings exceed your emergency target, don't let the surplus rot in a 0% account. Invest it, but with a crash buffer built in.

Simple formula: cash + (investments × 0.70) ≥ your emergency target

The 0.70 assumes a 30% market crash. So even on the worst possible day, you're still fully covered.

Example: You need 30k for emergencies. You've saved 40k. Instead of keeping all 40k in cash, you keep 20k in cash and invest 20k in something like SPUS. Even if the market crashes 30% the day after you invest, you still have 20k + 14k = 34k. You're covered.

I posted this elsewhere and got some fair pushback, so let me address a few things upfront:

"Emergency fund means instant access at 2am." Agreed. That's why your cash base stays liquid. The invested portion is in halal ETFs (SPUS, HLAL) — not locked-up sukuk or anything illiquid. You can liquidate ETFs within a day if needed.

"3-6 months of expenses won't make you rich either way." True. But over 10 years the difference was ~17% more wealth with the same safety net. Small edge, but it compounds.

"The stress isn't worth it." Completely valid. If investing any part of your safety net keeps you up at night, a halal savings account at 3-4% is a great middle ground. Peace of mind has real value.

"A layered approach works better." Also valid. One commenter shared their system: 1 month cash → 3 months savings → 3 months sukuk → 3 months gold. That's smart and honestly another way of doing the same thing — not letting all your emergency money sit idle.

This isn't for everyone. If you're just starting out, build your emergency fund first — full stop. But if you've been sitting on 6+ months of expenses in a zero-return account for years, it might be worth running the numbers.

Not financial advice. Just sharing what I follow after 20 years of investing, Alhamdolillah.

JazakAllah khair.

u/ImAqui — 8 days ago