Halal investing
Grow your wealth without compromising your values.
A dedicated Sharia-compliant suite built on transparent, profit-sharing structures and overseen by a qualified Sharia advisory committee.
Demand has outpaced supply for years.
Values-based finance is a mainstream market force, not a niche preference. M20 brings it into the formal, regulated investment economy.
~7x
oversubscription of Nigeria's 2025 sovereign sukuk
~53%
of Nigerians hold values-based investment preferences
Sources: SEC Nigeria, Fitch Ratings. Figures indicative.
The halal suite
Halal Savings
A profit-sharing alternative to interest-bearing deposits, for cash you want working but accessible.
Sukuk Portfolios
Allocations to federal and corporate sukuk for asset-backed income.
Sharia Equity Funds
Screened halal equity exposure to companies listed on the NGX.
Mudarabah Mandates
Profit-share investment partnerships for larger and institutional investors.
How we keep it halal
Screened, reviewed and transparent.
- No interest
Returns come from profit-sharing and real assets, never from riba.
- Screened holdings
Companies in prohibited sectors or with excessive debt are excluded.
- Committee oversight
A qualified Sharia advisory committee reviews and approves every product.
- The same governance as everything else
Halal portfolios sit on the same regulated platform, with the same reporting and controls.
Common questions
Do I have to be Muslim to invest in the halal suite?
No. The halal suite is open to anyone who wants ethical, interest-free investments.
Can I hold halal and conventional portfolios together?
Yes. Both sit in the same M20 account, so you see your whole picture in one place.
How do you decide whether a company is halal?
We look at what the company does and how it is financed. Businesses in prohibited sectors are excluded, as are companies that rely heavily on interest-bearing debt or earn significant interest income. Our Sharia advisory committee sets and reviews these screening rules.
Are halal investments risk free?
No. Halal investments rise and fall in value like any other. Profit-sharing structures share real business risk, which is part of what makes them Sharia-compliant.