Azzad Asset Management vs Zoya
Azzad Asset Management and Zoya both offer investing. This page lines up 16 listed data points side by side, with 10 differences, so you can see exactly where they part ways before you request quotes.
Built from each provider's listed data · provider data last verified Oct 2026
At a glance
- Both are available in all 50 states.
- Azzad Asset Management uses Wealth Management; Zoya uses Stock Screener.
- Shariah oversight: Azzad Asset Management discloses Third-Party Certified; Zoya discloses Named Scholar.
- HalalWallet Index: Azzad Asset Management holds a B; Zoya holds a B-.
- On measurable rows, Azzad Asset Management has the better listed value on 3 and Zoya on 0.
- They differ on 10 of the 16 data points we list for investing.
No editorial verdict has been written for this pair yet. The side-by-side below is the full data view; where we have written one, you'll find it under Compare.
Azzad Asset Management vs Zoya: the full side-by-side
16 data points from each provider's published materials, lined up row by row. They differ on 10.
16 of 16 rows
States covered
SameAzzad Asset Management: All 50 statesZoya: All 50 states
Management fee
Azzad Asset Management: ~1% wrap fee, declining with AUM EdgeZoya: $14.99/month or $119.99/yearMinimum investment
Azzad Asset Management: $500,000 (wrap program); $1,000 ADJEX / $4,000 WISEX fundsZoya: Not listed
Structure
Azzad Asset Management: Wealth ManagementZoya: Stock ScreenerShariah oversight
Azzad Asset Management: Third-Party CertifiedZoya: Named ScholarShariah board / scholar
Azzad Asset Management: third_party_certifiedZoya: named_scholarPublished fatwa / certificate
SameAzzad Asset Management: NoZoya: NoScreening standard
SameAzzad Asset Management: AAOIFI standardsZoya: AAOIFI standards
Products listed
Azzad Asset Management: Azzad Wealth ManagementZoya: Zoya Stock Screener, Zoya Brokerage IntegrationBest for
Azzad Asset Management: High-net-worth halal wealth managementZoya: DIY halal stock pickersProduct types
Azzad Asset Management: Investment PlatformZoya: Stock Screener, BrokerageAccount types
SameAzzad Asset Management: Individual, IRA, Roth IRAZoya: Individual, IRA, Roth IRAFocus
Azzad Asset Management: Full-Service Halal Wealth ManagementZoya: Halal Stock Screening (Zoya Stock Screener) · Portfolio Compliance Monitoring (Zoya Brokerage Integration)
HalalWallet Index grade
Azzad Asset Management: B EdgeZoya: B-Founded
Azzad Asset Management: 1997 EdgeZoya: 2020Assets under management
Azzad Asset Management: $1.8B firm-wide (12/31/2025, company-reported)Zoya: Not listed
Edge marks the side with the better listed number on measurable rows (lower fee, wider coverage, higher grade). It is not a verdict - a provider can win more rows and still be the wrong fit for you.
Strengths and trade-offs
Azzad Asset Management
- Established in 2000 - over two decades of halal wealth management experience
- AAOIFI-based screening with independent verification by IFAAS and Shariyah Review Bureau certification
- ICCR membership underscores faith-based shareholder advocacy
- Available nationwide in all 50 states
- $500,000 wrap-program minimum shuts out most investors - the Azzad Funds are the accessible entry point
- Fee schedule is not published on the website; roughly 1% declining must be confirmed in disclosures
- All-in costs stack: the wrap fee sits on top of underlying manager and fund expenses
- In-house funds are pricey by current standards (ADJEX 0.99%, WISEX 0.89% net)
Zoya
- Screens thousands of stocks for Sharia compliance
- Methodology overseen by AAOIFI-certified scholar Sheikh Joe Bradford and Sheikh Umer Khan
- Purification tracking supported alongside screening
- Available nationwide in all 50 states
- Links your existing brokerage so holdings are monitored for compliance automatically
- Full access costs $14.99/month or $119.99/year via app stores - pricier than Musaffa's $72/year
- A research tool, not a brokerage - trades happen elsewhere (though pass-through ordering covers seven brokers)
- Free tier is status-only: no ratio detail, and fund screening stops at top-10 holdings
- App-store and web pricing diverge without explanation on the site
- Requires a paid plan for real use - $14.99/month or $119.99/year via app stores
Products behind the numbers
Where a row shows more than one value, it is because the provider lists several investing products. Each is tagged.
Not sure which is right? Compare all investing providers.
Browse all Investing optionsEditorial comparisons
How do Azzad Asset Management and Zoya compare for investing?
Azzad Asset Management and Zoya both offer investing. This page lines up 16 listed data points side by side, with 10 differences, so you can see exactly where they part ways before you request quotes.
- Both are available in all 50 states.
- Azzad Asset Management uses Wealth Management; Zoya uses Stock Screener.
- Shariah oversight: Azzad Asset Management discloses Third-Party Certified; Zoya discloses Named Scholar.
Source: HalalWallet (halalwallet.us)
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Sources and review process
This page is reviewed against HalalWallet editorial standards and source documentation.
Reviewed by: HalalWallet Editorial Team
Last reviewed: 2026-10-22
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For time-sensitive claims (rates, fees, state availability), please verify directly with the provider's official documentation and note the retrieval date.
How to use this comparison: Scholars rule; we organize the evidence. HalalWallet is an independent educational comparison platform - by design, we do not issue fatwas or provide financial, legal, or tax advice. We do the research homework so your final checks are quick and personal. Where our role ends and who takes over.
Product structures and Shariah oversight vary by provider, so finish with three built-in steps:
- Confirm current terms and halal compliance directly with the provider - their quote is final.
- Review the contract structure (Murabaha, Ijara, Musharakah, etc.) and any disclosed Shariah board opinions.
- Bring your shortlist to a qualified Islamic finance advisor or scholar, so the conversation is about your situation, not the basics.
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