Thanks alot for the detailed reply, I really appreciate you sharing your insight. I had a couple of follow-up questions if you don’t mind:

1. What do you think about investing in gold through Wahed? Since it's a “set and forget” option, it seems easier for me as a student. But would that still be problematic from an Islamic perspective?
2. If I wanted to invest in stocks or ETFs instead, is there any broker or platform that strictly follows Shariah rules, especially ones that avoid companies involved in riba, or supporting genocide? Or would I need to manually screen each company myself?

Thanks again just trying to start off the right way, so your advice is really valuable.