Retirement · Wahed Invest
Wahed Invest Roth IRA
Co-Founder & CEO, HalalWallet
Facts are re-verified against Wahed Invest's published materials; this page updates when the provider's terms, rates, or coverage change.
Wahed's Roth IRA wraps the platform's managed halal portfolios in the US tax code's most generous retirement structure: after-tax contributions, tax-free qualified withdrawals, and contributions accessible without penalty. From a $100 minimum, savers get one of six risk tiers built from Shariah-screened Wahed equity ETFs, sukuk, gold, and the KWIN income ETF, automatically rebalanced, with assets held in their own name at Apex Clearing (SIPC-protected). The compliance file includes a three-scholar Shariah board, Shariyah Review Bureau external review, published annual board reports, and quarterly purification amounts.
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What is the Wahed Invest Roth IRA?
Wahed's Roth IRA wraps the platform's managed halal portfolios in the US tax code's most generous retirement structure: after-tax contributions, tax-free qualified withdrawals, and contributions accessible without penalty. From a $100 minimum, savers get one of six risk tiers built from Shariah-screened Wahed equity ETFs, sukuk, gold, and the KWIN income ETF, automatically rebalanced, with assets held in their own name at Apex Clearing (SIPC-protected).
- Contract structure: Robo-Advisor.
- Available in all 50 states.
- Shariah oversight disclosed: Third-Party Certified.
- HalalWallet Index grade for Wahed Invest in Retirement: B+.
- Verified against Wahed Invest's published materials on 2026-08-13.
Source: HalalWallet (halalwallet.us)
Key facts
- Structure
- Robo-Advisor
- Management fee
- 0.49% + $60/yr (<$100K); 0.49% ($100K+)
- Minimum investment
- $100
- Availability
- all 50 states
- Shariah oversight
- Third-Party Certified
- Provider founded
- 2015
- Last verified
- 2026-08-13
Facts are taken from Wahed Invest's published product materials and were last verified on 2026-08-13. Fields the provider does not publish are omitted rather than estimated.
Our take
A Roth IRA is where halal investing and tax planning agree most completely: decades of compounding with no tax at the end and no interest anywhere in the chain. Wahed automates the whole arrangement from $100 - meaningful for young savers starting small - with the strongest published compliance documentation among US halal robos and purification amounts reported quarterly so the cleansing obligation is quantified rather than guessed. The economics deserve one honest look: on a $2,000 balance, 0.49% plus $60 is roughly 3.5% a year, which will eat early returns; the fee only becomes fair as contributions accumulate. Manzil's 0.40% + $48 is the sharper price at most balances, with a thinner track record. For consistent long-horizon contributors who want it handled, Wahed's Roth is a sound default.
Strengths
- After-tax contributions grow toward tax-free qualified withdrawals
- Portfolios certified by the Shariyah Review Bureau (2024)
- Automated management through Wahed's robo-advisor platform
- Available nationwide in all 50 states
Watch-outs
- No upfront tax deduction - the Roth trade-off is paid today
- Limited to Wahed's model portfolios - no self-directed trading
- The $60/year fixed fee is proportionally heavy on young, small Roth balances
- Portfolios lean on Wahed's own ETFs - a disclosed but real conflict
Is the Wahed Invest Roth IRA halal?
A Roth IRA at Wahed changes the tax wrapper, not the halal substance: after-tax contributions grow inside the same managed portfolios as every Wahed account, built exclusively from Shariah-screened instruments - Wahed's own equity ETFs, sukuk, gold, and (in conservative tiers) the KWIN alternative-income ETF, never conventional bonds or interest-bearing cash. Screening excludes conventional financial services, alcohol, tobacco, gambling, adult entertainment, weapons, and impure food stocks, plus companies failing debt and asset-backing tests, and incidental impermissible income is handled through published quarterly purification amounts with simple annual reporting. Governance is a named three-scholar Shariah Supervisory Board - Sheikh Sajid Umar, Sheikh Dr. Aznan Hasan (a sitting AAOIFI Shariah board member), and Sheikh Muhammad Ahmad Sultan - with Shariyah Review Bureau as external advisor and annual board reports published for 2019 through 2024. That makes the Roth pairing attractive for the long game: decades of tax-free compounding without ever touching riba. Two honest notes: the SEC's February 2022 order over Wahed's earlier marketing and missing written Shariah-compliance policies ($300,000 penalty, consented without admitting or denying) is real history, and the wrap fee (0.49% plus $60 a year, flattening to 0.49% at $100,000) is proportionally heavy on small starting balances.
Shariah oversight disclosed by Wahed Invest
Certified by Shariyah Review Bureau (SRB) (2024). Signed by Dr. Aznan Hasan (SRB).
HalalWallet reports the Shariah documentation a provider publishes. We do not issue certifications; consult a qualified scholar for a personal ruling.
What you get
- After-tax contributions, tax-free qualified withdrawals - inside fully Shariah-screened managed portfolios
- $100 minimum; six risk tiers spanning Wahed equity ETFs, sukuk, gold, and the KWIN income ETF
- Quarterly purification amounts published, with simple annual purification reporting
- Named three-scholar Shariah board, Shariyah Review Bureau external review, and published annual board reports (2019-2024)
- Assets held in your name at Apex Clearing (SIPC protection up to $500,000)
- Automatic rebalancing on deposits, withdrawals, risk-profile changes, and major volatility
Cost and terms
Wrap fee: 0.49% of AUM + $60/year under $100,000; 0.49% flat at $100,000+ (verified on wahed.com/pricing 2026-08-05). $100 minimum. No deposit, withdrawal, or closure fees; underlying ETF expense ratios extra. Roth contribution and income limits follow IRS rules.
How it compares
Other retirement providers we list in the U.S., ordered by HalalWallet Index grade.
| Product | Structure | Shariah oversight | Availability | Grade |
|---|---|---|---|---|
| Wahed Invest Roth IRA (this page) | Robo-Advisor | Third-Party Certified | all 50 states | B+ |
| ShariaPortfolio 401(k) | Wealth Management | Named Scholar | all 50 states | — |
Other Wahed Invest products
- Wahed Real Estate Fund
Investing · Zero-debt single-family rental fund (100% equity)
- Wahed Dow Jones Islamic World ETF
Investing · Index-based
- Wahed Invest Robo-Advisor
Investing · Robo-Advisor
- SEP IRA
Retirement · Robo-Advisor
- Traditional IRA
Retirement · Robo-Advisor
- Wahed FTSE USA Shariah ETF
Investing · Index-based
Where it's available
Wahed Invest lists the Roth IRA as available in all 50 states.
Availability may vary by product and can change; verify with Wahed Invest before applying.
Frequently asked questions
Is the Wahed Invest Roth IRA halal?
A Roth IRA at Wahed changes the tax wrapper, not the halal substance: after-tax contributions grow inside the same managed portfolios as every Wahed account, built exclusively from Shariah-screened instruments - Wahed's own equity ETFs, sukuk, gold, and (in conservative tiers) the KWIN alternative-income ETF, never conventional bonds or interest-bearing cash. Contract structure: Robo-Advisor. Shariah oversight disclosed by Wahed Invest: Third-Party Certified. HalalWallet reports what the provider documents; we do not certify products.
How does the Wahed Invest Roth IRA work?
Wahed's Roth IRA wraps the platform's managed halal portfolios in the US tax code's most generous retirement structure: after-tax contributions, tax-free qualified withdrawals, and contributions accessible without penalty. From a $100 minimum, savers get one of six risk tiers built from Shariah-screened Wahed equity ETFs, sukuk, gold, and the KWIN income ETF, automatically rebalanced, with assets held in their own name at Apex Clearing (SIPC-protected).
What does the Wahed Invest Roth IRA cost?
Wrap fee: 0.49% of AUM + $60/year under $100,000; 0.49% flat at $100,000+ (verified on wahed.com/pricing 2026-08-05). $100 minimum. No deposit, withdrawal, or closure fees; underlying ETF expense ratios extra. Roth contribution and income limits follow IRS rules.
What are the minimums for the Wahed Invest Roth IRA?
As published by Wahed Invest: minimum investment $100. Confirm current requirements with Wahed Invest before applying.
Where is the Wahed Invest Roth IRA available?
Wahed Invest lists this product as available in all 50 states. Availability can change and may differ by state; verify directly with Wahed Invest.
What are the alternatives to the Wahed Invest Roth IRA?
In the same category we also list ShariaPortfolio 401(k). Compare every option side by side on our Halal Retirement Accounts hub.
When was this Wahed Invest product information last verified?
HalalWallet last verified the Wahed Invest Roth IRA details against Wahed Invest's published materials on 2026-08-13. Rates, fees, and availability can change after that date.
How to use this comparison: HalalWallet is an independent educational comparison platform - by design, we do not provide financial, legal, or religious advice. We do the research homework so your final checks are quick and personal.
Product structures and Shariah oversight vary by provider, so finish with three built-in steps:
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- Review the contract structure (Murabaha, Ijara, Musharakah, etc.) and any disclosed Shariah board opinions.
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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: 2026-08-13
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