CHAPTER 12 OF 17
Sarwa, overview
PARTNER OFFER
Sign up to Sarwa with this referral code
If you sign up with this code and fund your account, you and Halal ETF Planner each receive a bonus from AED 100 up to AED 3,000, depending on how much you fund.
The link already includes the code. If you open the Sarwa app instead, enter this code when you sign up: it cannot be added after the account is created.
- The first reward needs at least $500 funded within 90 days of signing up; higher funding unlocks higher tiers.
- The bonus must stay in the account for 12 months, or Sarwa may deduct it.
- Joint accounts are excluded, and Sarwa can amend or cancel the programme.
Source: Sarwa's referral programme terms, checked 17 October 2026.
Referral disclosure: if you sign up with this code or link, Halal ETF Planner may receive a reward at no extra cost to you. Sarwa sets the terms. This does not change what we write about Sarwa. Full referral disclosure
What Sarwa actually offers
Research basis: This is a researched overview based on Sarwa's published materials, not a claim that Halal ETF Planner independently tested every feature. Product availability, fees, and eligibility can change. Sources were checked on 8 September 2026.
Sarwa is a digital investment platform based in the UAE. Alongside its general investment portfolios, it offers a halal option built from Shariah-screened ETFs, for investors who want their allocation to stay within Shariah-compliant funds without picking individual tickers themselves.
Accounts are opened entirely through Sarwa's app or website — there's no in-person paperwork. Once open, the platform builds a diversified portfolio from a small set of ETFs based on answers to a short risk questionnaire, rather than you selecting individual holdings.
Is Sarwa regulated?
Checked on 17 October 2026, from Sarwa’s own website. Sarwa’s About page states that Sarwa Digital Wealth (Capital) Limited is regulated by the Financial Services Regulatory Authority (FSRA) in Abu Dhabi Global Market (ADGM), and holds a Category 3C licence with a Retail Client and Holding and Controlling Clients Investments and Money endorsement. It links to the firm’s entry on the ADGM public register.
Sarwa’s disclosures also say: “Sarwa does not hold an Islamic Window endorsement from the Financial Services Regulatory Authority (FSRA)”, and advise clients to do their own due diligence. This page reports what Sarwa states and does not decide what it means for you; read the full disclosure on Sarwa’s About page.
Does Sarwa hold SPUS, HLAL, UMMA or SPWO?
Checked on 17 October 2026. Sarwa’s halal portfolios are not a list of US ETFs you choose from. Sarwa’s help centre lists a “Halal ETF Menu” for its halal portfolios: IGLN, ISDU, ISDW, ISDE, FTGSWQD.MFU and a sukuk fund (see Sarwa’s help centre). That menu does not include SPUS, HLAL, UMMA or SPWO. Sarwa’s Invest page describes its halal portfolios as made up of “Sukuk, Gold ETC, and ETFs that follow Islamic laws and principles”.
So if you want to hold one of the four US-listed ETFs this site covers, check whether the platform you use lists it, and do not assume a halal portfolio at Sarwa holds it.
How the published workflow works
Sarwa presents Invest as a hands-off service: the investor selects a goal and risk level, funds the account, and receives a diversified portfolio. Its published Invest page also advertises auto-investing. Exact onboarding steps and feature availability can depend on the account and jurisdiction.
For the current product description, see Sarwa Invest. For current management fees and account thresholds, see Sarwa pricing.
Curious what a SIP through a platform like this could grow into?
Try the calculator to see an illustrative projection based on your own numbers.
See your projectionFees, worth knowing
Sarwa publishes a management fee for Invest in addition to the expense ratios already built into underlying ETFs — the two layers described in Chapter 11. Rates and thresholds can change, so Sarwa's pricing page is the source for current numbers, not this overview.
Who it's a good fit for
Sarwa tends to suit investors who want a diversified halal portfolio managed for them, without researching and picking individual ETFs. Someone who wants to choose specific tickers directly, or who wants to compare fee structures across several platforms first, may want to weigh it against the alternatives covered elsewhere in this guide.
Ready to look at Sarwa yourself?
Use referral code JAVA185F, or the link below, when you sign up. The code cannot be added after your account is created.
Referral disclosure: if you sign up with this code or link, Halal ETF Planner may receive a reward at no extra cost to you. Sarwa sets the terms. This does not change what we write about Sarwa. See the referral disclosure for details.
This is educational content, not financial advice. Shariah compliance for any fund or platform is attributed to the provider, not independently certified here.