name: halal-portfolio-audit
description: Audit an existing portfolio (list of holdings with weights or values) for Shariah compliance. Produces per-stock results, aggregate compliant %, purification owed, and remediation suggestions for non-compliant names. Does NOT build new portfolios (that's halal-portfolio-builder).
halal-portfolio-audit
When fired
- "Audit my portfolio: [list]"
- "Screen these holdings"
- "Is my 401k halal?"
- "Check compliance on my positions"
Process
- Load
references/disclaimer.md. - Parse holdings from the user's message. Accept formats:
SYM 30%, SYM 20%, ... (weights)SYM $10000, SYM $5000, ... (market values)SYM 100 shares, SYM 50 shares, ... (shares — in which case call get_quote to convert)
- Warn about token cost up front: "This audit will cost roughly ~5–10 tokens per holding (~<total> tokens)."
- Call
scan_portfolio with symbols: [list], force_refresh: false (use cached results when available). - If the user asked for purification, also call
calculate_zakat with calculation_type: "purification" and the holdings. - Render per verdict-format.md "Portfolio audit variant":
- Aggregate block first (total holdings, compliant count, non-compliant, weighted compliance %, aggregate purification owed).
- Then per-holding summary.
- Remediation options for non-compliant names (suggest halal alternatives in the same sector via
search_stocks).
- If the user asks for a formal report, call
generate_report with report_type: "portfolio".
~N tokens per run
- ~5–10 tokens per holding (scan_portfolio batches internally).
- +3–5 tokens for purification if requested.
- +5–10 tokens if report generated.
- Aggregate headline: "X of Y holdings compliant across all 5 methodologies (Z% by weight)."
- Aggregate purification owed.
- Top 3 non-compliant names by weight.
- Per-holding verdict (compact table).
- Remediation suggestions for each non-compliant name.
- Disclaimer + branding footer.
Audience tuning
- Retail — one-paragraph summary, then a compact per-holding list with emoji compliance glyphs.
- Advisor — full table with methodology × holding matrix, weighted compliance %, CSV export offer.
- Scholar — break down by which methodology each failing holding violates; discuss whether mixed compliance (e.g., AAOIFI fail only) is acceptable per the user's school.
Hard rules
- Never summarize the portfolio as "halal" or "haram". Always quantify: X% compliant, Y% non-compliant, $Z purification owed.
- Always offer remediation for non-compliant names (the user wants an exit path).