| name | halal-portfolio-builder |
| description | Construct a Shariah-compliant portfolio from user constraints (capital, DCA cadence, horizon, sector/theme, exclusions like "no tech", growth/value tilt). Dispatches to a subagent that does the heavy MCP work; returns basket + weights + monthly DCA schedule + scenario forecast. Does NOT audit existing portfolios (that's halal-portfolio-audit). |
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
- Load
references/disclaimer.md.
- Detect audience.
- 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)
- 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.
- Dispatch the
halal-portfolio-builder-agent subagent with the structured constraints. Wait for its summary result — do not do the MCP calls inline.
- 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
- Basket table: ticker × sector × role × weight %.
- Sector mix summary.
- DCA schedule: month-by-month buy plan (upfront + monthly).
- 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.
- Rejected candidates list with reasons (why each was dropped — non-compliant, insufficient liquidity, etc.).
- 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.
