بِسْمِ ٱللَّهِ ٱلرَّحْمَـٰنِ ٱلرَّحِيمِ
You already know something needs to change. Your wealth is an Amanah from Allah — and one day you will be asked what you did with it. The TMI System gives you the clarity, the structure, and the confidence to prepare that answer.
From confusion to clarity. From guilt to peace of mind. From avoiding the question to knowing exactly how you'll answer it. This is a complete, structured path — from your very first niyyah to the weekly ritual that keeps your wealth pure, purposeful, and working for your Akhirah.
Start Here
These four steps take you from "I know I should do something about my money" to "I know exactly who I am as an investor, where my finances actually stand, and what my portfolio is really made of." Most Muslims never get past the first step. You will.
Before you touch a single number, set your niyyah.
Before TMI
"I keep telling myself I'll sort out my finances eventually."
After TMI
"I've made a commitment — before Allah — that my goal is not just profit. My goal is purity."
Every transformation begins with intention. The Mission Pledge is your personal commitment — before Allah — that your goal is not just profit. Your goal is purity. You pledge to uphold the primacy of the Akhirah, pursue purity with unshakeable integrity, transform knowledge into action, view your wealth as a tool for Khayr, and embrace this path with Sabr and Tawakkul.
This is not a formality. It is the foundation everything else is built on. Without it, the steps that follow are just calculators. With it, they become acts of worship.
What you receive
A signed pledge document with your name and date — your personal covenant. Emailed directly to you.
Video coming soon
Your intention is set. Now it's time to discover who you actually are as an investor — because not every Muslim approaches wealth the same way, and your path should fit how Allah wired you.
35 questions. 5 dimensions. One profile built for who you actually are.
Before TMI
"I don't know where to start. Everyone gives the same generic advice."
After TMI
"I know I'm a Fortress Builder. My instinct is protection, and my allocation reflects that. I have a specific plan."
Most financial assessments ask you three generic questions and slap a label on you. The TMI Investor Profile is different. It maps your relationship with wealth across five dimensions — Spiritual Focus, Risk Tolerance, Knowledge Level, Time Horizon, and Financial Stability — through 35 carefully calibrated questions that touch your faith, your fears, your family, and your financial reality.
The result is one of seven Investor Profiles — each with its own instincts, blind spots, and strengths. This is not a personality quiz. It is your Investor DNA. And everything in the TMI System — from your recommended allocation to your curriculum track to how the Command Center gives you instructions — adapts to fit your specific profile.
What you receive
A complete personalized report written uniquely for you — your 5-dimension score breakdown, a recommended Shariah-compliant asset allocation with ranges, a personalized 8-day curriculum track, specific guidance based on your answers, and Islamic finance foundations calibrated to your knowledge level. Downloadable as PDF. Shareable on WhatsApp.
Screenshot: Profile report preview
Video coming soon
One mission. Seven ways to pursue it. Which one are you?
The TMI community is united by one mission — preparing for the Akhirah. But the way each member pursues that mission is shaped by their unique temperament, life stage, knowledge, and relationship with risk. The seven profiles are how the entire TMI System adapts to fit who you actually are.
Your instinct is protection. You'd rather miss some upside than experience any downside. Your portfolio is your family's shield — and you build it like one.
You're at the beginning. You want to understand before you act. Every brick matters because you're building from scratch — and you refuse to build on a cracked foundation.
Every financial decision passes through one filter: what does this mean for my family? You invest for stability, provision, and the ability to be a pillar of strength for the people who depend on you.
You have a plan. You execute it with discipline. You don't chase trends or panic at dips. Your portfolio is intentional, methodical, and aligned with a long-term vision you've thought deeply about.
Patience is your superpower. You compound small, consistent actions over decades. You avoid drama, resist the urge to tinker, and trust that slow and steady isn't boring — it's how generational wealth is built.
You're engaged, informed, and comfortable with complexity. You want to understand the macro, position for opportunities, and actively manage your portfolio. You know the risks — and you accept them with eyes open.
You want maximum growth and you're willing to accept the volatility that comes with it. Your time horizon is long, your ambition is high, and you believe the biggest risk is not taking enough.
Not sure which one you are? The Investor Profile takes 10-15 minutes and tells you — with a complete personalized report.
Discover Your Investor DNA →Now you know WHO you are as an investor and how the TMI System adapts to your profile. But knowing your identity is only half the picture. Is your financial foundation ready to act on it? A Fortress Builder with Riba in their pension is building on a cracked foundation. A Growth Seeker with no emergency fund is taking risks they can't afford. The Compass tells you the truth.
The number that tells you if your foundation is solid or fragile.
Before TMI
"I think I'm doing okay, but I've never actually checked. I'm afraid of what I'll find."
After TMI
"My IIRS is 64. My emergency fund covers 4.2 months — I need 6. My Riba freedom date is September 2027. I know exactly what to fix."
The Akhirah Financial Compass produces your Islamic Investment Readiness Score (IIRS) — a single number out of 100 that measures whether your financial foundation is genuinely ready for investing, or whether there are cracks that need repair first.
It scores you across four pillars: Riba Elimination (are you free from interest-based debt?), Emergency Fund Strength (can your family survive 3-6 months without income?), Expense Discipline (is your spending under control?), and Savings Rate (are you building capacity for Sadaqah and investment?). Each pillar gets its own score and a specific action plan.
This is not a feel-good assessment. If your foundation has problems, the Compass will tell you — with exact numbers, specific timelines, and a step-by-step plan to fix them. If your foundation is strong, it confirms you're ready to deploy capital with confidence.
What you receive
Your IIRS score with full pillar breakdown. Financial Portrait with peer benchmarks. Intelligent Mizan (Islamic budget). Riba Elimination Strategy with a calculated Freedom Date. Purification Accelerator. Protection Optimizer. Personalized action plan with specific dollar amounts. All processed privately — your data never leaves your device. Results emailed to you.
Screenshot: Compass report preview
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You know who you are. You know whether your foundation is ready. One question remains — and it's the one most Muslims avoid the longest: what is actually inside your portfolio, and can you stand behind every holding on the Day of Judgment?
What your portfolio actually says about you — your beliefs, your blind spots, and your accountability.
Before TMI
"I have some stocks and an ETF. I think they're probably halal. I've never really checked."
After TMI
"3 of my 8 holdings fail AAOIFI screening. I'm 82% US equities when my allocation says 40%. My portfolio says I believe in American tech — but my heart says I want protection and purity. Now I know exactly what to change."
The Portfolio Mirror is not a Shariah screening tool. You can screen individual stocks on Zoya or Musaffa in 30 seconds. The Mirror does something no other platform in the Islamic finance space does: it holds up a mirror to your entire portfolio and tells you what your holdings reveal about your actual beliefs, your hidden biases, and the gap between the investor you think you are and the investor your portfolio proves you to be.
You enter your real holdings — every stock, ETF, fund, and position. The Mirror screens each one against AAOIFI Shariah Standards using a database of 1,741+ tickers. But that is only the first layer.
The second layer reads your entire portfolio as a single document and produces a 7-page institutional-grade personalized analysis: Shariah compliance verdicts holding by holding, your actual allocation versus your Profile's recommended allocation, concentration risks you didn't know you had, psychological biases your portfolio reveals, what your portfolio says about your beliefs regarding risk and protection, the gap between your stated intentions and your actual positions, and a concrete rebalancing pathway.
This is the step most people are afraid to take. It is also the one that creates the deepest transformation.
What you receive
7-page personalized Mirror Analysis. Holding-by-holding Shariah screening. Portfolio allocation breakdown. Gap analysis vs Profile allocation. Behavioral insights. Action pathway. Downloadable PDF. Shareable on WhatsApp.
Screenshot: Mirror report preview
Video coming soon
You have completed the four steps. You know your niyyah, your Investor DNA, your financial health score, and the truth about your portfolio. Most Muslims never get this far.
But knowledge without action is the most expensive waste of time there is.
The full TMI System takes everything the foundation revealed and turns it into a structured, disciplined, weekly practice — so your wealth actually moves in the direction your heart wants it to go.
TMI Membership
The four steps diagnosed where you are. The full system shows you what to do about it — every week, with the institutional-grade frameworks used to manage $500M+ in Shariah-compliant assets. Translated for your life. Built so your investing takes 15 minutes a week and the rest of your time is freed for what actually matters — your 'Ibadah, your family, and your Ummah.
Institutional-Grade Macro Intelligence
Before making any decision with your money, know the economic environment. Professional fund managers check the macro weather every morning. The TMI System gives you the same read — translated for you.
Know the economic weather before you step outside.
6 signal categories — Growth, Inflation, Monetary Policy, Fiscal Policy, Liquidity, and Market Positioning — each color-coded green (favorable), yellow (caution), or red (defensive). Built from the same indicators Mehdi reads to manage $500M+ in Islamic assets. Updated regularly with Mehdi's personal institutional read — a short paragraph explaining what the current weather means for your decisions this week. You check this before your weekly Command Center ritual. 2 minutes.
The Halal Asset Class Arsenal
Your Profile determined your allocation. The Macro Weather told you the environment. Now you need the knowledge and frameworks for each asset class. The Arsenal gives you institutional-grade education AND decision tools for every Shariah-compliant asset class — organized by the role each one plays in your wealth.
The complete halal equity investing system. Starts with the Path Finder — 7 questions that tell you honestly whether you should be picking individual stocks or investing through halal ETFs. No ego, just clarity.
If ETFs are your path: the ETF Guide covers what halal ETFs are, how they're screened, a side-by-side comparison of every major Shariah-compliant ETF (SPUS, SPSK, SPRE, GLDM, and more), how to build a multi-ETF portfolio, and a personal investment plan worksheet.
If individual stocks are your path: the Halal Stock Analyzer is the complete institutional-grade workflow. The Kill Switch (10-minute rapid screen to eliminate bad stocks), the Ownership Manual (4-pillar deep analysis), the Pre-Mortem (argue against yourself before buying), a Sector Playbook for every major industry, two full worked examples (a stock that passes and one that fails), and the 10 Ground Rules of halal equity investing.
The halal alternative to bonds — the asset class that provides steady, predictable income while equities handle growth. The Sukuk Guide teaches you what Sukuk actually are, how they differ from bonds, credit risk and ratings, how prices move with interest rates, and the hold-to-maturity power that makes Sukuk unique.
The Sukuk Vehicle Navigator walks you through the decision: direct Sukuk (requires $200K+ minimums) vs ETFs vs managed funds — based on your capital, timeline, and goals. Includes a fee impact calculator showing how fees compound over decades, and the questions to ask any fund before investing.
The oldest halal store of value. The Gold Compass covers why gold matters, when to add and when to hold, and the macro conditions that drive prices. The Allocation Calculator takes three inputs — profile, risk tolerance, current portfolio — and produces your specific gold percentage. Plus a vetted list of TMI-approved Shariah-compliant gold ETFs: 100% physical backing, no gold lending, no derivatives.
Own a piece of hospitals, warehouses, data centers, and malls — without a mortgage, without tenants, without a down payment. But most REITs fail Shariah screening. The complete 5-chapter resource covers what REITs are, the TMI Shariah screening filter (the 5 criteria most fail), how REITs behave in different markets (institutional perspective), your options as a Muslim investor, and how to size your allocation. Includes a REIT Screener, an in-depth analysis of SPRE (the Shariah-compliant REIT ETF), a comparison framework, and a Portfolio Fit calculator.
The Shariah debate is real and unresolved. Respected scholars exist on both sides. TMI gives you both arguments with full scholarly references and lets you decide — because you will answer to Allah, not TMI. Covers what Bitcoin is (from zero knowledge), the full Shariah debate, what drives Bitcoin's price (institutional framework), how it fits in a portfolio, how to invest if you've decided, and risk management for an asset that can drop 80%. Position Sizer + Macro Signal Checker included.
Cash is an asset class — and parking it in a savings account earning Riba is not an option. The Guide covers the dual threat (Riba AND inflation erosion), the difference between emergency fund and investable cash, and every halal alternative: Islamic money market, Murabaha deposits, Wakalah arrangements. The Calculator determines your optimal reserve and maps it to the right halal vehicle.
Your Research Desk
Close to 2,000 instruments. Institutional-grade analysis on every single one. Recommendations by investor profile. Nothing like this exists anywhere in Islamic finance.
This is not a database. This is a research desk.
Every instrument in the TMI Instrument Finder comes with Mehdi's personal institutional-grade analysis — written with the same depth and conviction he applies to managing $500M+ in Shariah-compliant assets. Every equity. Every Sukuk. Every ETF.
1,741 AAOIFI-Screened Equities
US, Canada, Europe, GCC, and Africa. 4 company-specific strengths. 4 company-specific risks. A sharp, opinionated analysis that tells you what this company actually is, why it matters, what the numbers say, and which TMI Investor Profile it fits — by name.
326 USD-Denominated Sukuk
Issuer analysis with sovereign linkage. Credit fundamentals. Duration explained as a rates conviction bet. Payment rank explained as where you stand in line if things go wrong. Yield contextualized by rating. Recommendations by investor profile.
Searchable. Filterable. By sector, geography, market cap, credit rating, maturity range, compliance status.
Your Weekly Ritual
15 minutes. Once a week. Everything else is on autopilot.
The Command Center is where everything converges. Your Profile defined your targets. Your Compass confirmed your foundation. Your Mirror revealed what you hold. The Macro Weather told you the environment. The Arsenal equipped you. The Instrument Finder gave you the universe. The Command Center turns ALL of it into one simple weekly routine:
Update your portfolio values — 5 minutes. The system compares actual vs target, identifies gaps, and tells you exactly where to deploy your savings — which asset class, how many dollars, which direction. Stop-losses monitored. Drift detected. You follow the instructions. You close the Command Center. You go pray.
This is not portfolio management as the Dunya Paradigm imagines it — staring at screens, checking prices, panicking over red numbers. This is Amanah management — structured, intentional, 15 minutes a week, then your wealth works for you while you work for Allah.
Your Annual Obligations
Fulfill the third pillar — with precision, confidence, and joy.
How do you calculate Zakat on stocks? On Sukuk? On gold ETFs? What about purification of non-compliant income — is that the same as Zakat? (It is not.) The TMI Calculator separates both obligations clearly. Your exact Zakat by asset class. Your exact Purification amount. Distribution guide. Year-over-year history. Full methodology references to verify with your own scholar.
The TMI System exists for one reason: to help you prepare your answer for the Day of Judgment regarding your wealth. Not to build wealth for the sake of wealth. Not to beat the market. Not to get rich. To prepare your answer.
$9/month. Less than a single coffee. For the preparation of a lifetime.
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