Your 6 Fears About Investing Addressed!

Assalamu Alaikum girlie! 🌸

Let’s get real—investing can feel super intimidating. Especially when you’re trying to keep it halal and figure out the whole “what if” game: What if I lose money? What if it’s not Sharia-compliant? What if I don’t even know what I’m doing? 😬

😮‍💨Breathe, girlie—you’re not alone. I know how daunting it can feel. But here’s the thing: investing is key to securing your financial future. It’s way easier to invest your way to $1,000,000 than to save it.

And guess what? You don’t need to know everything to get started!🕰️

Today, we’ll cover:

• Why Does Investing Early Really Matter?

• Your 6 Fears About Investing Addressed!

Why Does Investing Early Matter? 🤔

Time is your biggest ally in investing, far beyond being “savvy” or knowing all the “hacks”. Here is a scenario to put this into perspective.

Meet Zahra (age 20) and Ruqayyah (age 30) who are good friends from their university MSA. They both decided to start investing $200 a month this year. They chose a shariah-compliant exchange-trade fund that gives them ~ 10.26% return a year.

Here’s what each of them will have at 60:

Even though the difference in the actual investment sum invested is only $24,000 between 20 and 30, the growth difference is $891,271 $!!

Now this isn’t kumbaya, it’s math! Again, your biggest ally in investing is time. 🕰️

If that wasn’t enough, I’ll give you 3 other reasons why you need to take investing seriously as a young/ middle-aged Muslimah:

1. Long-Term Financial Security: Whether you’re saving for a home, retirement, or your children’s future, investing now helps you build wealth over time. 🌱

2. Halal Investment Opportunities: There are plenty of halal, sharia-compliant investment platforms like Wahed Invest. You don’t have to compromise your faith to grow your wealth. 🙌

3. Building Wealth with Purpose: By investing wisely, you’re not only creating financial independence but also more opportunities to give sadaqah and support causes that matter to you and your community. 🕌

Still feeling nervous? Keep reading…

Your 6 Fears About Investing Addressed

1.  “What should I do as a Muslimah?” 📚

A huge reason many of us avoid investing is simply not knowing where to start—especially when it comes to halal options. Before you jump in, take some time to learn about the basics of investing: shariah-compliant stocks, mutual funds, ETFs, and real estate. Some great resources include Muslim Money Experts, Zoya’s blog, and of course this newsletter🤗. The more you learn, the more confident you’ll feel about taking action.

2.  “I Don’t Have the Money Right Now” 🌱

Newsflash: You don’t need $1000s to get started. In fact, many halal platforms allow you to start investing with as little as $100 a month. Starting small removes the pressure of risking large sums of money while allowing you to gain experience.

3.  “How Long? Cause I’m Not Waiting till I’m 65” 🎯

Investing is a long-term journey, not a quick win. The best way to get rich quick…. don’t do it! Markets go up and down, that’s the simple truth. There are long-term and short-term investment options and your goals will determine what you should invest in.

If the market dips -20% on a given day, don’t panic! Keep your eye on the bigger picture—building sustainable wealth over years and decades. The only people who get hurt on a rollercoaster are those who jump off 🎢

4.  “I Don’t Know What I’m Doing” 🤝

If you’re still feeling unsure, it’s okay to seek help. Find a reliable Islamic financial advisor or join halal investing groups online. You don’t have to navigate the world of investing alone! Having a mentor or community helps build your confidence.

Reach out to a reliable Islamic financial advisor or look for forums where Muslim women share their investing experiences (start with LinkedIn).

5.  “What if I Lose ALL My Money?”

No investment can guarantee specific returns: anyone that does is known as a S-C-A-M!

There’s always going to be risk involved. That’s why you need to know what you’re doing before you start. Don’t invest in anything you don’t understand. Look at the historic performance of the investment, what it’s invested in, etc to get a sense of what you can expect.

6. “Thanks Girl” (saves for later… proceeds to procrastinate🙈)

Let’s keep it real: the best way to overcome your fear of investing is to take action! Evaluate your financial situation and start today, even if it’s with a small amount. Got some savings and your debts under control? Time to jump in and take that first step with me!🏁

💬 Join me for “A Muslimah’s Guide to Investing” on Dec 15th!

This workshop is your chance to make investing simple, purposeful, and aligned with your Islamic values.👸 By the end of this hybrid event, you’ll have everything you need to start building your portfolio before December 31st.

Here’s what you’ll gain:
1️⃣ A clear, step-by-step guide to finding investments that reflect your values.
2️⃣ An understanding to create a portfolio for your short-term and long-term goals.
3️⃣ Strategies to avoid common mistakes and grow your wealth with confidence.

Special Offer for My Newsletter Family! 💌

As a loyal reader, you can get 30% off your ticket when you use the code FG30 before December 5th.✨ 

🌱 Don’t let another year slip by while you wait for the ‘right moment.’ As Warren Buffet said, “The best time to plant a tree was 20 years ago. The second-best time is now.”

Just like with any decision, start with making du’a. Ask Allah for guidance in making the best choices for your financial future. Remember, your rizq will come to you— put in the effort and trust Allah with the outcome. 🤲

Your fave financial coach,

Fatimah ✨ 

Founder, Finance Girlie

P.S. how do you like my new bread making set I invested in this Black Friday?🍞😆