HTR Invest
Methodologies can disagree, and HTR shows every verdict rather than a blended one. Trading follows yours alone.
Read from the screening store, not sample data. A symbol with no record on file reads INSUFFICIENT DATA, which is what the store says -- absence is never a pass.
| Holding | State | Action | AAOIFI | DJIM | FTSE | MSCI | MSCI_M | SP_SHARIAH | USMANI |
|---|---|---|---|---|---|---|---|---|---|
| AAPL | COMPLIANT | ALLOW | PASS | PASS | PASS | PASS | PASS | PASS | PASS |
| MSFT | COMPLIANT | ALLOW | PASS | PASS | PASS | PASS | PASS | PASS | PASS |
| KO | METHODOLOGY DISAGREEMENT | ALLOW | PASS | PASS | FAIL | FAIL | PASS | PASS | FAIL |
| JNJ | COMPLIANT | ALLOW | PASS | PASS | PASS | PASS | PASS | PASS | PASS |
A verdict without the quantities that produced it is the opposite of what this site is for. Each standard measures against its own denominator, so the ratios are shown per methodology. A missing ratio is absent, never zero.
| Methodology | Debt | Cash | Interest income | Verdict |
|---|---|---|---|---|
| AAOIFI | 2.06% | 1.56% | not on file | PASS |
| DJIM | 2.06% | 1.56% | not on file | PASS |
| FTSE | 2.06% | 1.56% | not on file | PASS |
| MSCI | 2.06% | 1.56% | not on file | PASS |
| MSCI_M | 2.06% | 1.56% | not on file | PASS |
| SP_SHARIAH | 2.06% | 1.56% | not on file | PASS |
| USMANI | 2.06% | 1.56% | not on file | PASS |
| Methodology | Debt | Cash | Interest income | Verdict |
|---|---|---|---|---|
| AAOIFI | 1.10% | 2.10% | not on file | PASS |
| DJIM | 1.10% | 2.10% | not on file | PASS |
| FTSE | 1.10% | 2.10% | not on file | PASS |
| MSCI | 1.10% | 2.10% | not on file | PASS |
| MSCI_M | 1.10% | 2.10% | not on file | PASS |
| SP_SHARIAH | 1.10% | 2.10% | not on file | PASS |
| USMANI | 1.10% | 2.10% | not on file | PASS |
4 of 7 methodologies pass; aaoifi says PASS
Standards split — pass: aaoifi, djim, msci_m, sp_shariah · fail: ftse, msci, usmani · under review: none
| Methodology | Debt | Cash | Interest income | Verdict |
|---|---|---|---|---|
| AAOIFI | 11.46% | 2.89% | not on file | PASS |
| DJIM | 11.46% | 2.89% | not on file | PASS |
| FTSE | 11.46% | 2.89% | not on file | FAIL |
| MSCI | 11.46% | 2.89% | not on file | FAIL |
| MSCI_M | 11.46% | 2.89% | not on file | PASS |
| SP_SHARIAH | 11.46% | 2.89% | not on file | PASS |
| USMANI | 11.46% | 2.89% | not on file | FAIL |
| Methodology | Debt | Cash | Interest income | Verdict |
|---|---|---|---|---|
| AAOIFI | 7.56% | 3.20% | not on file | PASS |
| DJIM | 7.56% | 3.20% | not on file | PASS |
| FTSE | 7.56% | 3.20% | not on file | PASS |
| MSCI | 7.56% | 3.20% | not on file | PASS |
| MSCI_M | 7.56% | 3.20% | not on file | PASS |
| SP_SHARIAH | 7.56% | 3.20% | not on file | PASS |
| USMANI | 7.56% | 3.20% | not on file | PASS |
If a holding's verdict changes, HTR stops new purchases in it, flags it and notifies you. It does NOT sell. Automatic liquidation needs a designed policy and human review, and inventing one would be the worst kind of helpfulness.
Paper and backtest results are hypothetical and do not represent actual trading. Past performance does not guarantee future results. Shariah screens and purification/Zakat figures are calculation aids, not religious rulings.