Retirement · Wahed Invest
Wahed Invest Traditional 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 Traditional IRA delivers tax-deferred halal retirement saving through the platform's managed portfolios: pre-tax (or deductible) contributions grow untaxed until withdrawal, invested across six risk tiers of Shariah-screened Wahed equity ETFs, sukuk, gold, and the KWIN income ETF. Accounts activate from $100, accept rollovers from employer plans and transfers from other IRAs, and hold assets in the client's name at Apex Clearing with SIPC protection. Governance includes three named board scholars, Shariyah Review Bureau external review, published annual reports, quarterly purification amounts, and a built-in zakat calculator.
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What is the Wahed Invest Traditional IRA?
Wahed's Traditional IRA delivers tax-deferred halal retirement saving through the platform's managed portfolios: pre-tax (or deductible) contributions grow untaxed until withdrawal, invested across six risk tiers of Shariah-screened Wahed equity ETFs, sukuk, gold, and the KWIN income ETF. Accounts activate from $100, accept rollovers from employer plans and transfers from other IRAs, and hold assets in the client's name at Apex Clearing with SIPC protection.
- 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
The Traditional IRA earns its place for two groups: savers who want today's deduction, and anyone rolling an old 401(k) into halal management - the second being quietly the bigger deal, since employer plans are where Muslims most often hold non-compliant funds by default. Wahed handles both from $100, converts rollovers to cash and reinvests them into screened portfolios, and documents its compliance more thoroughly than any US competitor (named scholars, external Shariyah Review Bureau review, published board reports, quarterly purification data). The standing caveats apply: the $60 fixed fee is heavy under about $20K, portfolios are Wahed-fund-centric by design, and Manzil undercuts the headline price. As the destination for a 401(k) rollover that finally needs to be halal, it is the established choice.
Strengths
- Pre-tax contributions grow tax-deferred in halal portfolios
- Portfolios certified by the Shariyah Review Bureau (2024)
- Automated robo-advisor management - no stock picking required
- Available nationwide in all 50 states
Watch-outs
- Withdrawals in retirement are taxed as ordinary income, and RMD rules eventually apply
- Limited to Wahed's model allocations - no customization
- The $60/year fixed fee drags on small balances
- Portfolios lean on Wahed's own ETFs - a disclosed but real conflict
Is the Wahed Invest Traditional IRA halal?
Wahed's Traditional IRA delivers pre-tax retirement investing with the riba problem engineered out: contributions land in discretionary managed portfolios holding only Shariah-screened assets - Wahed's own equity ETFs, sukuk, gold, and (in conservative allocations) the KWIN alternative-income ETF, which generates income through an options strategy on Shariah-compliant stocks rather than through lending. There is no conventional bond sleeve and no interest-bearing cash position anywhere in the six risk tiers. The screening excludes conventional financial services, alcohol, tobacco, gambling, adult entertainment, weapons, and impure food stocks, plus companies failing debt and asset-backing ratios; residual impermissible income is disclosed in quarterly purification amounts with simple annual reporting so cleansing takes minutes, not spreadsheets. Governance is unusually well documented for the category: a named three-scholar Shariah Supervisory Board (Sheikh Sajid Umar; Sheikh Dr. Aznan Hasan, a sitting AAOIFI Shariah board member; Sheikh Muhammad Ahmad Sultan), Shariyah Review Bureau as external advisor, and published annual board reports covering 2019 through 2024. It's also worth knowing why that documentation exists: the SEC's February 2022 order found Wahed had marketed its Shariah advisory business without written compliance policies, among other failures, and imposed a $300,000 penalty - the current audit trail is the after. Rollovers from old 401(k)s are supported, which is how most people actually use it.
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
- Pre-tax contributions grow tax-deferred inside fully Shariah-screened managed portfolios
- Rollover path for old employer plans (401(k)/403(b)/457) and existing IRAs
- $100 minimum; six risk tiers from sukuk-heavy conservative to all-equity aggressive
- Quarterly purification amounts published; annual purification reporting included
- Named three-scholar Shariah board with Shariyah Review Bureau external review and published reports (2019-2024)
- Automatic rebalancing; dividends reinvested automatically
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. Traditional IRA deduction and contribution 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 Traditional 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
- Roth IRA
Retirement · Robo-Advisor
- SEP IRA
Retirement · Robo-Advisor
- Wahed FTSE USA Shariah ETF
Investing · Index-based
Where it's available
Wahed Invest lists the Traditional 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 Traditional IRA halal?
Wahed's Traditional IRA delivers pre-tax retirement investing with the riba problem engineered out: contributions land in discretionary managed portfolios holding only Shariah-screened assets - Wahed's own equity ETFs, sukuk, gold, and (in conservative allocations) the KWIN alternative-income ETF, which generates income through an options strategy on Shariah-compliant stocks rather than through lending. 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 Traditional IRA work?
Wahed's Traditional IRA delivers tax-deferred halal retirement saving through the platform's managed portfolios: pre-tax (or deductible) contributions grow untaxed until withdrawal, invested across six risk tiers of Shariah-screened Wahed equity ETFs, sukuk, gold, and the KWIN income ETF. Accounts activate from $100, accept rollovers from employer plans and transfers from other IRAs, and hold assets in the client's name at Apex Clearing with SIPC protection.
What does the Wahed Invest Traditional 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. Traditional IRA deduction and contribution limits follow IRS rules.
What are the minimums for the Wahed Invest Traditional IRA?
As published by Wahed Invest: minimum investment $100. Confirm current requirements with Wahed Invest before applying.
Where is the Wahed Invest Traditional 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 Traditional 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 Traditional 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:
- 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.
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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