halal-portfolio-audit

halal-portfolio-audit

When fired

• "Audit my portfolio: [list]"
• "Screen these holdings"
• "Is my 401k halal?"
• "Check compliance on my positions"

Process

1. Load references/disclaimer.md.
2. 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)
3. Warn about token cost up front: "This audit will cost roughly 5–10 tokens per holding ( tokens)."
4. Call scan_portfolio with symbols: [list], force_refresh: false (use cached results when available).
5. If the user asked for purification, also call calculate_zakat with calculation_type: "purification" and the holdings.
6. 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).
7. 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.

Output structure (per verdict-format.md Portfolio variant)

1. Aggregate headline: "X of Y holdings compliant across all 5 methodologies (Z% by weight)."
2. Aggregate purification owed.
3. Top 3 non-compliant names by weight.
4. Per-holding verdict (compact table).
5. Remediation suggestions for each non-compliant name.
6. 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).