Align your investments with ethical values
The only fund that filters out human rights violators – with a 0% expense ratio.
The Ethical Pie Fund
Long-term, diversified investing – structured around your values. The Ethical Pie Fund is a self-directed portfolio built inside a free M1 Finance account. It’s designed like a low-cost index fund – diversified, long-term focused, and simple to manage – but with one key difference: every holding is hand-screened against a rigorous set of ethical standards.
No portfolio can ever be 100% ethical. But this one is built to try – thoughtfully, transparently, and with long-term discipline.
Why Ethical Investing Matters
Every dollar you invest is a vote for the kind of world you want to live in.
Traditional investing often supports companies involved in exploitation, war, environmental harm, and systemic injustice – often without us realizing it. At Ethical Pie Fund, your money doesn’t just grow – it stands for something.
We screen out harmful industries and prioritize human rights, justice, and sustainability. Investing with intention creates a movement that encourages companies to raise standards and put people and planet first.
Because investing isn’t neutral, silence – even in your portfolio – is a choice.
The Ethical Pie Fund
Long-term, diversified investing — structured around your values.
The Ethical Pie Fund is a self-directed portfolio built inside a free M1 Finance account. It's designed like a low-cost index fund — diversified, long-term focused, and simple to manage — but with one key difference: every holding is hand-screened against a rigorous set of ethical standards.
No portfolio can ever be 100% ethical. But this one is built to try — thoughtfully, transparently, and with long-term discipline.
The Ethical Pie Fund screens out companies involved in:
Weapons
Military Contractors
Surveillance Tech
Tobacco
Excess Debt
Alcohol
Firearms
Gambling
Adult Entertainment
Impure Food Stocks
Usurious Institutions
Human Rights Violations
The Ethical Pie Fund is balanced:
Core Quality Leaders Pie (45%)
High-quality companies built on ethical, sustainable fundamentals
Energy & Materials Pie (35%)
Focused on renewable energy, ethical resource use, and environmental responsibility
Growth & International Pie (20%)
Global companies expanding innovation without compromising values
The Ethical Pie Fund is balanced:
Not just a list of stocks – a screened portfolio of ethical companies organized into three simple slices for diversification and long-term growth.
Core Quality Leaders Pie (45%)
High-quality companies built on ethical, sustainable fundamentals
Energy & Materials Pie (35%)
Focused on renewable energy, ethical resource use, and environmental responsibility
Growth & International Pie (20%)
Global companies expanding innovation without compromising values
Built for investors like you
You’ve been looking for something like this.
Ethical, Conscious Investors
Who understand the value of low-cost index fund investing, care where their dollars go, and refuse to support companies that cross clear human rights red lines.
Faith-Based Investors
Seeking investments that align with religious principles and moral convictions.
Disillusioned with Wall Street
But still determined to build a better financial future.
Gen Z & Millennials
Ready to build wealth ethically without compromising your values? You have the most powerful advantage in investing: TIME. Starting early means decades of compounding growth working in your favor.
If this sounds like you - this was built for you.
ALREADY INVESTING?
Here's your path forward.
The good news: you don’t need to start over. Your next step just depends on where your
money is right now.
You have a 401(k) through your employer
Your options are limited to whatever your employer offers - you can't swap in the Ethical Pie Fund directly. But once you leave that job, you can roll your 401(k) into a Rollover IRA at M1 Finance and invest it entirely in the Ethical Pie Fund. In the meantime, redirect any new savings here.
You have a Rollover IRA or Traditional IRA elsewhere
This is the easiest switch. You can transfer your existing IRA from any brokerage - Fidelity, Schwab, Vanguard, wherever - directly to M1 Finance. No taxes. No penalties. Then put it to work in the Ethical Pie Fund.
You have a regular brokerage account
You can open an M1 Finance account today and start investing in the Ethical Pie Fund immediately. Whether you transfer existing holdings or simply start fresh with new contributions is entirely up to you.
There’s no urgency to liquidate everything at once – you can transition gradually or simply start directing new money here while existing accounts stay put.
WHAT YOU'RE PROBABLY HOLDING
It’s baked into the system - whether you realize it or not.
You might already be invested in:
Why Ethical Investing Matters
Every dollar you invest is a vote for the kind of world you want to live in.
Traditional investing often supports companies involved in exploitation, war, environmental harm, and systemic injustice – often without us realizing it. At Ethical Pie Fund, your money doesn’t just grow – it stands for something.
We screen out harmful industries and prioritize human rights, justice, and sustainability. Investing with intention creates a movement that encourages companies to raise standards and put people and planet first.
Because investing isn’t neutral, silence – even in your portfolio – is a choice.
How to Use the Ethical Pie Fund
Low-cost index fund investing is a proven, widely endorsed strategy known for diversification, reliability, and long-term growth.
Whenever you hear that advice – whether it’s VTI, VOO, SPUS, or HLAL – just substitute The Ethical Pie Fund.
You get the same long-term, diversified investing strategy these funds are known for – minus the moral baggage.
How You Actually Implement It
The Ethical Pie Fund runs inside a free M1 Finance brokerage account.
Getting started only takes a few minutes.
1
Open the setup guide
Click “Start Investing” below to see the step-by-step instructions.
2
Add the Ethical Pie Fund
The portfolio and allocations are already built – no stock picking required.
3
Fund & Automate
Your money is automatically distributed across the portfolio, dividends are reinvested, and new contributions help keep allocations aligned over time.
No stock picking, no constant trading, no day-to-day management.
Just structured, automated, long-term investing – designed to compound.
Time Is Your Greatest
Wealth-Building Tool
The Magic of Time - the earlier you start, the more powerful compounding becomes.
Investing $500/month at 10% annual returns:
Historically, markets have returned about 10% annually (~7% after inflation). Even adjusted for purchasing power, the long-term impact is life-changing.
The best time to plant a tree was 20 years ago. The second best time is now.
The Silent Drag on Your Returns
Even tiny annual fees compound too - just in the wrong direction.
Expense ratios compound - just not in your favor.
0.50% per year quietly erases $443,894 from your retirement - every dollar in fees is a dollar that never gets a chance to compound for you.
The Real Cost of Fees Over 40 years $500/month 10% annual returns.
M1 Finance charges a $3/month platform fee only if your account balance across all M1 accounts is below $10,000. Once you reach a combined $10,000 (which happens quickly with consistent investing), this fee disappears forever. The Ethical Pie Fund itself always maintains zero expense ratio.
Why Zero Expense Ratio Changes Everything
The Real Cost of Fees Over Time
Ethical Pie Fund
0.00% expense ratio
Low-Cost Fund
0.20% expense ratio
Average Fund
0.75% expense ratio
Expensive Fund
1.50% expense ratio
The Power of Compounding
Small Amounts, Big Results
Age 25 Start
40 years of investing
Age 35 Start
30 years of investing
Age 45 Start
20 years of investing
Start Small, Think Big
Performance That Speaks
Key Performance Metrics
The Ethical Pie Fund: 10.82% annual returns, 0% fees. Outperforms IGDA’s 2.16% and rivals the S&P 500 and top halal funds.
| The Ethical Pie Fund | VTSAX (Total Stock Market) | SPUS (Halal Pie) | HLAL (Halal Pie) | S&P 500 | IGDA (Global Halal) | |
|---|---|---|---|---|---|---|
| Annual Return | 10.82% | 10.50% | 11.65% | 10.78% | 10.73% | 2.16% |
| Total Return | 58.29% | 56.2% | 62.1% | 57.8% | 57.5% | 10.0% |
| Expense Ratio |
0%
|
0.03% | 0.49% | 0.50% | 0.03% | 0.40% |
Complete Comparison Analysis
Ethical Pie is the only fund that combines all eight criteria: strong returns, ethical screening, low fees, and broad diversification — all in one package.
| The Ethical Pie Fund | VTSAX | SPUS | HLAL | S&P 500 | IGDA | |
|---|---|---|---|---|---|---|
| Strong Performance (>10% Annual) |  |
✅ | ✅ | ✅ | ✅ | ❌ |
| Excludes Human Rights Violators | |
❌ | ❌ | ❌ | ❌ | ❌ |
| Low Fees (<0.20%) | |
✅ | ❌ | ❌ | ✅ | ❌ |
| Good Diversification (<40% Top 10) | |
✅ | ❌ | ❌ | ✅ | ✅ |
| Shariah Compliant | |
❌ | ✅ | ✅ | ❌ | ✅ |
| Global Exposure | |
❌ | ❌ | ❌ | ❌ | ✅ |
SOURCE: M1 Finance performance data; official fund fact sheets from Vanguard, SP Funds, Wahed, S&P Dow Jones, and IGDA Global Halal.
The Ethical Pie Fund
Whenever a book, blog, or video tells you to invest in “a low-cost index fund,” just substitute in the Ethical Pie — because it is that… minus the moral baggage.
No blood money. No moral compromise.
An expense ratio is the annual fee most funds charge to cover management, administration, and operating costs. It’s taken as a small percentage of your investment and automatically deducted each year.
For example, a fund with a 0.50% expense ratio charges about $5 per year for every $1,000 invested. Over time, those fees quietly compound — reducing your long-term returns.
The difference here:
The Ethical Pie Fund has a 0% expense ratio.
No annual fees.
No hidden costs.
Just your money staying invested — compounding in a portfolio aligned with your values.
The Ethical Pie Fund is structured as a self-directed portfolio rather than a traditional managed fund. That means there’s no fund manager taking a cut and no ongoing management fees being charged.
You control the portfolio.
You keep the gains.
Your money works for you — not a fund company.
