بسم الله الرحمن الرحيم
Assalamu alaikum,
Two major headlines this week. A lot of you asked: should I make changes?
My answer: the strategy holds — with one adjustment.
What Happened
Venezuela (Jan 3): US military captured President Maduro. Oil prices spiked. Markets wobbled — then recovered within 24 hours.
Fed Investigation (Jan 11): DOJ opened a criminal probe into Fed Chair Powell. He says it’s retaliation for not cutting rates fast enough. Gold surged past $4,600. Markets dropped Sunday night — then hit all-time highs by Monday’s close.
The lesson: headlines create urgency, but well-built portfolios don’t require you to react to everyone.
My Signal Flipped
Last week, gold was on hold. Momentum was flat.
Sunday night, that changed. My signals shifted to accumulate.
| Jan 5 | Jan 12 | |
|---|---|---|
| Gold Signal | Hold | Accumulate |
I didn’t rush to buy Sunday night — the position was already established. When the catalyst hit, the hedge performed as intended.
My Allocation Adjustment
| Allocation | Previous | Current |
|---|---|---|
| Growth (Equities) | 60% | 60% |
| Gold (GLD) | 20% | 30% |
| Sukuk (SPSK) | 20% | 10% |
Why the shift: Gold isn’t just protection anymore — it’s been an active return driver. Up 27% in 2025. A 30% baseline lets me capture more upside while keeping sukuk as a stable reserve.
Quick Snapshot
| ETF | Price | Status |
|---|---|---|
| SMH | $390.66 | AI demand strong |
| TAN | $52.14 | Solar momentum |
| GLD | $422.23 | Signal: Accumulate |
| SPUS/HLAL | Near highs | DCA’ing slowly |
Beyond the Charts
As Muslims, wealth isn’t only about market mechanics. It’s about Barakah and trusting Al-Razzaq.
Three Asbab al-Rizq (causes of provision) I practice alongside my system:
| Practice | Effect |
|---|---|
| Istighfar | Removes blockages — “Ask forgiveness… He will give you increase in wealth” (71:10-12) |
| Sadaqah | Multiplies wealth — “Charity does not decrease wealth” (Sahih Muslim) |
| Shukr | Triggers increase — “If you are grateful, I will surely increase you” (14:7) |
Technical signals tell me when to act. These practices shape how I approach it all.
Questions for You
- What’s your gold allocation? I had zero for years.
- Did Sunday’s news change anything for you?
- Want more on the spiritual side — or keep it purely numbers?
Drop your thoughts below.
Last week’s full methodology: My 2026 Halal ETF Watchlist
والله أعلم