10 Myths About Investing

Assalamu Alaikum girlie 🌸

Somewhere along the way, a lot of us got the idea that investing is either hyper-risky, or reserved for men in suits named Adam who drink black coffee and say things like “market volatility.” 🙄

But here’s the truth: investing is one of the most effective tools to build long-term wealth and it’s not just for “finance bros” or people with extra money lying around. You can understand it. You can feel confident doing it. And you’re not behind, no matter when you start.

Let’s bust the myths so you can stop sitting on the sidelines.⬇️

The 10 Investing Myths

Myth 1: “I don’t care to build wealth: my husband is my retirement plan”
Sis. Even if you’re married (or planning to be), your financial literacy still matters. You might outlive your spouse. Or you might just want to build a financial legacy of your own. Don’t hand over the steering wheel before you even learn to drive.

Myth 2: “It’s selfish to invest when I could be giving that money in charity”
Investing doesn’t make you less generous; it can make you more generous. Building wealth means you can give consistently, not just when there’s a little left over. Do not guilt-trip yourself into staying broke.

Myth 3: “It’s too risky so I might lose all my money”
The only guaranteed way to lose money is to leave it in a savings account getting eaten alive by inflation. You can invest safely in low-risk options with time and patience on your side.

Myth 4: “It’s too late for me to start”
If you're still alive, you're not too late. Investing favors the long game, but starting today is better than regretting tomorrow. Time in the market > timing the market.

Myth 5: “I need to be an expert to start”
Girl, no. You don’t need to read 10 investing books or start day trading. You just need the basics, a clear goal, and a trustworthy platform(hint hint: Finance Girlie👀). Start small.

Myth 6: “It’s too complicated. I don’t have time to learn all that”
You don’t need a finance degree. You just need to know enough to make empowered decisions. The same way you figured out skincare routines or parenting hacks? You can figure this out too.

Myth 7: “I need thousands to get started”
Girl, you can start with $20. Literally. Many platforms let you buy fractional shares, so you don’t need $3,000 to buy a stock like Apple. You need a willingness to start small and build from there.

Myth 8: “Investing isn’t Islamic, it’s all haram”
A lot of what’s out there is questionable, yes but that doesn’t mean all investing is off-limits. There are Shariah-compliant investment opportunities. You just need to know what filters to apply (and no, that doesn’t mean scrolling TikTok for fatawa).

Myth 9: “Investing is only for rich people”
Nope. That’s like saying exercise is only for athletes. Investing is how regular people become wealthy over time. Even $50 a month can get the ball rolling. Consistency > perfection.

Myth 10: “I’ll wait until the economy gets better”
Waiting for the “perfect time” is how people stay stuck for years. The market will always have ups and downs. While the job market, international events, and politics can affect the market, long-term investors understand you win the game through the cycles, not just during the highs.

Okay, but how does investing actually work?
You put money into something that grows over time - could be ETFs, mutual funds, or real estate. The value increases, and you make money through growth (called capital gains) or income (like dividends or rent). You don’t need to check it daily. You don’t need to predict the market. You don’t need to read the financial news (or reddit!). You just need to start and stay in. That's it.

We cover halal investing and much more in the Master Your Money course- launching this Saturday Inshaa Allah!🎉

Cheering you on,

Fatimah💎

Founder, Finance Girlie