Introducing Zoya Direct

Today, we're launching Zoya Direct, a new feature that combines the power of direct indexing with halal investing. It allows you to build your own version of any ETF, mutual fund, or market index, while removing the companies you don’t want to hold.

Whether you're starting with the S&P 500 or a sector-specific fund, Zoya Direct gives you the ability to filter, adjust, and invest on your own terms.

From one-size-fits-all to built-for-you

Index funds are one of the best investing innovations of the past few decades. They offer instant diversification, low fees, and simple access to entire markets or sectors. They work because they are rules-based and automatic. But the same rules that make them efficient also make them rigid. You don't get to decide what goes in and what stays out.

As a result, Muslims are largely cut off from the benefits of mainstream index funds, because the portfolios are almost certain to contain companies that don't pass Shariah compliance or align with broader Islamic values.

Zoya Direct changes that. It keeps the best parts of index investing while giving you the ability to customize the portfolio. The process is still automatic, but now the rules include yours.

Here's how it works:

• Start with a benchmark. Pick from thousands of ETFs, mutual funds, and indexes to use as your base.
• Set your exclusions. Filter out non-compliant stocks, exclude companies tied to specific controversies, or add your own custom blacklist.
• Use your preferred broker. Connect to Alpaca, Webull, or Wealthsimple Trade. More integrations coming soon.
• Invest any amount. We'll automatically adjust your basket to fit your budget.
• Zero added fees. There's no AUM fees or expense ratios. You pay only for trades your broker executes, if any.

From exclusive to accessible

Direct indexing isn’t new, but it has traditionally been reserved for ultra-wealthy investors. It requires sophisticated software, expensive data, and significant capital that put it out of reach for most people. Zoya Direct makes the same approach accessible to everyone. We handle the complexity in the background so you can focus on building a portfolio with purpose.

Your portfolio is more than a collection of assets; it is a tangible expression of your principles and the future you want to build. With Zoya Direct, you can finally make that statement with clarity and full conviction.

Zoya Direct is available today for all Zoya Pro subscribers. Update your app to the latest version to get started.