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@annevdw54 Option 3. Then invest the $3k savings into the stock market to build wealth back up.

@realitywild777 Yes and it is free. But I’m not sure if people outside Canada can use it.

@guswilby My comment is that for your baskets, UMMA and SPWO are very similar with SPWO having a lower MER. Is there a reason you’re holding the two? Perhaps because SPWO is still too new. I love what you’re doing with the guide. Many people come to reddit to do research so hopefully this is...

@yasin Walaikum Salam. If you are not able to find a Robo Advisor in Austria, you can open a self directed brokerage account and invest in halal etfs such as HLAL, ISDE