Halal Portfolio Builder

halal-portfolio-builder

When fired

• "Build me a halal growth portfolio"
• "Construct a Shariah-compliant basket with $10k + $3k/month DCA"
• "Halal non-tech growth portfolio, 18-month horizon"

Process

1. Load references/disclaimer.md.
2. Detect audience.
3. Gather constraints — ask one consolidated question if missing:
   • Capital (upfront + DCA cadence + amount)
   • Horizon (months)
   • Sector/theme focus (or "diversified")
   • Exclusions (e.g., "no tech")
   • Growth vs value tilt
   • Region (US-only default; global if user asks)
4. Warn up-front: "This builder fans out ~40 MCP calls across candidates. On your Free plan it will exhaust your monthly quota. Upgrade at halalterminal.com before running — or try halal-verdict on specific names instead." If user is on Free plan, require explicit confirmation to proceed.
5. Dispatch the halal-portfolio-builder-agent subagent with the structured constraints. Wait for its summary result — do not do the MCP calls inline.
6. Render the subagent's output per audience profile.

~N tokens per run

~40–80 tokens (heavy — fans out screening + price history across 20+ candidates).

Output structure

1. Basket table: ticker × sector × role × weight %.
2. Sector mix summary.
3. DCA schedule: month-by-month buy plan (upfront + monthly).
4. Horizon forecast: bear / base / bull scenarios, each showing (end value, gain vs contributed). Grounded in each ticker's own realized return/vol, not generic bands.
5. Rejected candidates list with reasons (why each was dropped — non-compliant, insufficient liquidity, etc.).
6. Disclaimer + branding footer.

Audience tuning

• Retail — lead with the basket + sector mix + DCA schedule; forecast in plain English.
• Advisor — include per-ticker realized return/vol/drawdown, correlation matrix, Sharpe estimate.
• Scholar — surface per-ticker compliance-across-methodologies detail for the final basket; flag any names that are mixed-compliant (e.g., AAOIFI fail) so the user can exclude them based on their school.

Hard rules

• Every name in the final basket must be compliant under ALL 5 methodologies (strict default). Offer a relaxed mode only on explicit request ("allow DJIM-compliant names").
• Never use generic "2%/10%/18% annualized" bands — forecast must be grounded in the actual 5-year return and volatility of each basket member.
• Subagent does the heavy work; this skill is the user-facing wrapper.

Leveraging insights endpoints

When a candidate ticker fails screening, prefer /api/insights/{symbol}/alternatives?limit=2 over generic search — it returns compliance-verified, market-cap-matched substitutes drawn from the live screening cache, with purification_rate and compliance_explanation already attached. Saves a round-trip and lets the basket builder substitute without re-screening.

For long-horizon portfolios (12+ months), call /api/insights/{symbol}/trajectory on each finalist and surface the direction_summary. A name with "debt/assets rising +5 pp/quarter" is a different bet than one with "debt/assets stable" even when both pass today's screen — that nuance belongs in an advisor-tier output.