Faith-Based Investing: Aligning Your Portfolio with Your Christian Values

As Christians, we often strive to honor God in every area of our lives—our families, our work, our time, and our finances. Yet when it comes to investing, many believers unknowingly separate their faith from their financial decisions. Over the years, we have had many conversations with clients about this very topic, and it has become clear that people want their investments to reflect the same values that guide the rest of their lives.

Faith-based investing—often referred to as Biblically Responsible Investing (BRI)—is an approach that seeks to align investment decisions with Christian principles. Rather than focusing solely on financial returns, this approach also considers how companies operate, what they promote, and how they impact society. For many believers, investing this way simply means asking an important question: Does my money support the same values I believe in?

Scripture reminds us that everything ultimately belongs to God. Psalm 24:1 tells us, “The earth is the Lord’s, and everything in it.” And in Luke 16:10 we are reminded that “Whoever can be trusted with very little can also be trusted with much.” These verses speak to the idea of stewardship. As Christians, we are not the owners of what we have—we are stewards entrusted with managing God’s resources wisely.

One reason faith-based investing matters is because traditional investment portfolios often include companies involved in activities that may conflict with Christian convictions. Many broad market funds include businesses connected to areas such as abortion services, pornography, exploitative labor practices, or other industries that many believers would prefer not to support. For some investors, simply becoming aware of this reality is what first prompts them to explore a faith-based investment approach.

However, faith-based investing is not only about avoiding certain industries. It can also involve intentionally supporting companies that demonstrate ethical leadership, treat employees fairly, encourage strong communities, and operate with integrity. In that sense, investing becomes about more than financial return—it also becomes a way to promote positive values in the marketplace.
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There are several ways investors can approach faith-based investing. One common method is called negative screening, which removes companies involved in activities that conflict with biblical principles. Many Christian mutual funds and ETFs apply filters designed to exclude industries such as abortion, pornography, gambling, or other areas considered inconsistent with Christian values.

Another approach is positive screening, which looks for companies that actively demonstrate strong ethical practices. These companies may prioritize responsible corporate governance, fair treatment of employees, transparency with shareholders, and respect for human dignity. Rather than simply avoiding certain businesses, this strategy seeks out organizations that are making a constructive impact.

Some investors also participate in shareholder engagement. Through proxy voting and shareholder advocacy, investors can encourage companies to adopt policies that support ethical practices, religious liberty protections, and responsible governance. While individual investors may not always see this process directly, many faith-based investment firms participate in these conversations on behalf of their clients.

A growing area within this space is what is often called impact or Kingdom investing. This type of investing focuses on opportunities that aim to produce measurable social or community benefits alongside financial returns. Examples might include investments in affordable housing projects, faith-based educational initiatives, or funds designed to support community development.

For those interested in exploring this type of strategy, the first step is simply identifying the convictions that matter most to you. For some believers, the sanctity of life is the primary concern. Others may prioritize religious freedom, ethical business conduct, or responsible stewardship of the environment. Clarifying these priorities helps guide how a portfolio may be structured.

The next step is often reviewing an existing portfolio. Many investors are surprised to learn what companies they already own through mutual funds or index funds. A values-based portfolio review can help determine whether current investments align with personal convictions or whether adjustments might be appropriate.

Working with a financial advisor who understands both portfolio construction and faith-based investing can also be helpful. Aligning investments with values does not mean abandoning sound financial principles. Diversification, risk management, tax efficiency, and long-term discipline still play a critical role in building and maintaining a strong portfolio.

A common question people ask is whether faith-based investing sacrifices returns. While results can vary depending on market conditions and the strategies used, many faith-based portfolios have demonstrated competitive long-term performance. Like any investment approach, success depends on thoughtful portfolio construction and disciplined management.

Ultimately, Christian financial stewardship extends beyond investing alone. It includes generosity, responsible spending, avoiding unnecessary debt, and thoughtful planning for the future. When our financial strategy reflects our faith, money becomes a tool rather than a master.

Faith-based investing allows believers to bring their convictions into an area of life that often feels disconnected from personal values. When guided by Scripture, prayer, and wise counsel, investing can become more than a financial strategy—it can become another way to practice stewardship and live out one’s faith.
 
Written by Brandon Wilkins, CKA®, Chief Operating Officer, Majestic Financial, Financial Consultant, RJFS

*Disclosures: Any opinions are those of Brandon Wilkins and not necessarily those of Raymond James. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein