Safeer's 2025 portfolio + exciting update
A new chapter for muslim.finance
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To ring in the new year (very overdue), I have updated my stock portfolio for 2025. Note: if you already use my M1 portfolio it will not auto-update and you will need to follow manual steps listed at the end. But first..
Exciting Update: A new chapter for muslim.finance
The 101.finance and sister-site muslim.finance started as a way to share personal finance tips and my portfolio with friends. Majority of the 600+ of you are from muslim.finance and often email me with questions — I’ve felt it’s overdue to go beyond the basics outlined in the guide.
I’m pleased to announce Sh. Umer Khan who not only is a close friend but an extraordinary Muslim Scholar is joining muslim.finance. This newsletter will go from annual portfolio updates to a couple messages and sessions per quarter to help educate our community about personal finance all continuing at no-cost.
If you wish to only receive my annual portfolio updates, please go to your settings and un-check receiving emails for new posts from muslim finance.
Our first session will be on Zakat Essentials for Investors on Tue, Feb 25th at 5pm PT.
My 2025 portfolio
Active investors statistically perform worse than passive investors. No one can time the market. That’s why majority of my portfolio follows the QQQ index, which contains the Top 100 of Nasdaq stocks including top tech companies (FAANG, etc). Because it’s a weighted index, well-performing stocks become a larger percent of the pie and those that decline fall out.
My basket of stocks contains:
The top 75% of QQQ with a few filtered out (too much debt, etc)
A few handpicked stocks across the technology sector that make up the remaining 25%.
My secret is simple: I buy every week. Consistency hedges against timing the market.
If you already use my portfolio, below are some steps to update it:
Go to the link, make sure you’re logged in and click ‘Save to my account’
Then go to your M1 app, click ‘Manage pie’ -> ‘Edit pie’ -> ‘+’ Button
Go to the ‘My Pies’ tab, select ‘Safeer’s 2025 Portfolio’ and ‘Done’
Adjust the 2025 Portfolio to 100% and remove the old portfolio
It’s possible that M1 may produce a taxable event when updating it in this matter. I have provided the changes below if you’d like to manually update your pie.
Safeer
 | A guest post by
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Question (new here), how does one integrate BDS boycott campaigns with shariah compliant ETF funds? Cuz those are completely managed for you right? Is there any way to remove or "blacklist" certain companies from your managed account?
Or is the only way to integrate boycott campaigns to manage your own portfolio all by yourself?
Great update, Safeer! I really appreciate the transparency and the structured approach you're bringing to the community. 🙌
Your mix of 75% QQQ-based investing with 25% active selection is an interesting balance—offering broad exposure to tech leaders while still allowing for targeted opportunities. I can definitely see the benefits, especially for those looking to automate their investing.
That said, one challenge I often see with index-heavy strategies, even with Shariah filters, is that they don’t always go deep enough on compliance. Some companies pass initial screens but still have high debt reliance or generate revenue from non-halal sources.
Beyond compliance, indices like QQQ tend to overweight past winners, meaning investors often pay a premium for momentum stocks while potentially overlooking undervalued, high-quality businesses.
That’s why my approach leans fully active, focusing on:
- Business model strength & sustainability
- Debt structure & reliance on interest-based income
- Revenue composition & halal earnings quality
- Valuation to avoid overpaying for growth
I completely get why a hybrid approach works for many investors—especially for simplicity—but for my profile, I prefer full control over stock selection to optimize both Shariah compliance & long-term value creation.
Curious—how do you personally refine your stock exclusions beyond standard debt filters? Would love to hear your thought process!