the Halal Jihadist (HalalJihadist@gmail.com)

I believe that an intelligent critic can be an excellent teacher as can a like minded scholar.  It is about opening oneself to points of view and knowledge that sharpens one's own intelligence. In this video: 1) What Quran says about sectarianism ( https://quran.com/6/159  Surah 6 Verse 159) 2) The benchmark we should hold scholars to and where they rank in the knowledge ladder

Question: Can you earn a reasonable return on real estate without debt? Answer:  Yes you can.  But you need to be proactive and not wait for the opportunity rather find it.  That is what I did recently.  I searched out a development, entered into negotiations with the developer before permits where in place for the project and negotiated a price that I expect will generate an annual 12% ROI.  Not only that, but I secured pricing that makes it possible to purchase without debt and given that a few of us have joined together in a partnership it has become an exceptionally affordable investment.  But it must be risky, you are thinking.  Not at all.  We entered into an in-Trust purchase agreement, meaning our biggest risk is the project not proceeding (e.g. permit issues) and us receiving our money back (per the contract) eleven months after we advanced our $500 deposit. If you are interested in learning more, let me know via email.  

I have built a model portfolio for the last 6 years that has produced a 25+% CAGR. The iShares MSCI World Islamic UCITS ETF has returned -9.37% in 2018 vs our +9.1% for a difference of +18.47% in 2018.  Over a longer period, 5 years, MSCI produced only a cumulative return of 26.38%.  Meaning if you invested $100 at the end of 5 years you would have had $126.38.  In all 2 year periods except one the model portfolio has outperformed the 5-year return of  iShares MSCI World Islamic UCITS ETF - in 2-year our model portfolio has made more than the ETF has in 5-years ! (source:  https://www.ishares.com/uk/professional/en/products/251394/ishares-msci-world-islamic-ucits-etf?switchLocale=y&siteEntryPassthrough=true  ) Some highlights that are noteworthy 1. The lack of correlation to the market, meaning the portfolio does not move in step with the market. 2. The securities purchased that account for 80% of the portfolio are large businesses.  They provide global diversification and re