Verdicts genuinely change. Free email alert the moment FLRQX's does — no target price to set, unlike "Alert" above.
Whether this fund clears the published standards, and the filings behind that answer. The screen runs first and nothing on the trading side can override it.
Structure, momentum, positioning and levels. Separate from the Sharia verdict above, which this side never overrides.
Franklin LifeSmart 2020 Retirement Target Fund · Franklin Fund Allocator Series
21 holdings
NON-COMPLIANT At least 10.21% of portfolio weight is in non-compliant holdings — already over the 5% threshold, so the verdict is settled whatever the unmatched 90% turns out to be. Matching more holdings can only raise this share, never lower it.
10.21% of that is conventional interest-bearing debt, identified from the fund's own filing rather than by screening an issuer. Sukuk are deliberately excluded from this test and are never counted here.
21 holdings, 1 matched (10% of weight). Portfolio as of 2026-06-30, filed 2026-08-27. Source: SEC Form N-PORT.
Portfolio shares are withheld: coverage is below the floor needed to state one. The holdings themselves are below, because the names are evidence you can check.
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| Franklin U.S. Core Bond ETF | UNSCREENED | 23.53% | no in-house ratios for this holding |
| Franklin U.S. Core Equity (IU) Fund | UNSCREENED | 13.39% | no in-house ratios for this holding |
| Franklin Investment Grade Corporate ETF | UNSCREENED | 10.91% | no in-house ratios for this holding |
| Franklin U.S. Treasury Bond ETF | NON_COMPLIANT | 10.21% | no in-house ratios for this holding |
| Franklin International Core Equity (IU) Fund | UNSCREENED | 5.47% | no in-house ratios for this holding |
| Franklin High Yield Corporate ETF | UNSCREENED | 3.96% | no in-house ratios for this holding |
| BrandywineGLOBAL - Global Opportunities Bond Fund | UNSCREENED | 3.74% | no in-house ratios for this holding |
| Putnam Large Cap Value Fund | UNSCREENED | 3.62% | no in-house ratios for this holding |
| Franklin Emerging Market Core Equity (IU) Fund | UNSCREENED | 3.38% | no in-house ratios for this holding |
| Franklin U.S. Large Cap Multifactor Index ETF | UNSCREENED | 3.38% | no in-house ratios for this holding |
| Franklin Growth Fund | UNSCREENED | 2.96% | no in-house ratios for this holding |
| Franklin U.S. Equity Index ETF | UNSCREENED | 2.63% | no in-house ratios for this holding |
| Putnam Large Cap Growth Fund | UNSCREENED | 2.51% | no in-house ratios for this holding |
| Templeton Emerging Markets Equity Fund | UNSCREENED | 2.30% | no in-house ratios for this holding |
| Franklin FTSE Japan ETF | UNSCREENED | 1.70% | no in-house ratios for this holding |
| Vanguard Total International Bond ETF | UNSCREENED | 1.62% | no in-house ratios for this holding |
| Franklin Institutional U.S. Government Money Market Fund | UNSCREENED | 1.54% | no in-house ratios for this holding |
| Franklin Systematic Style Premia ETF | UNSCREENED | 1.03% | no in-house ratios for this holding |
| Templeton Foreign Fund | UNSCREENED | 0.82% | no in-house ratios for this holding |
| iShares Core MSCI EAFE ETF | UNSCREENED | 0.71% | no in-house ratios for this holding |
| ClearBridge International Growth Fund | UNSCREENED | 0.51% | no in-house ratios for this holding |
| Non-compliant holding | Weight |
|---|---|
| Franklin U.S. Treasury Bond ETF | 10.21% |
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
Franklin LifeSmart 2020 Retirement Target Fund (FLRQX) is currently considered not halal (non-compliant), per our own look-through to its filed holdings. See its filed holdings and the weight breakdown below for the reasoning.
HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A holding it cannot cover far enough is reported as unrated rather than counted as a pass.
| Holding | Weight | Verdict |
|---|---|---|
| Franklin U.S. Core Bond ETFnot matched to a ticker | 23.53% | Not screened |
| Franklin U.S. Core Equity (IU) Fundnot matched to a ticker | 13.39% | Not screened |
| Franklin Investment Grade Corporate ETFnot matched to a ticker | 10.91% | Not screened |
| Franklin U.S. Treasury Bond ETFnot matched to a ticker | 10.21% | Non-compliant |
| Franklin International Core Equity (IU) Fundnot matched to a ticker | 5.47% | Not screened |
| Franklin High Yield Corporate ETFnot matched to a ticker | 3.96% | Not screened |
| BrandywineGLOBAL - Global Opportunities Bond Fundnot matched to a ticker | 3.74% | Not screened |
| Putnam Large Cap Value Fundnot matched to a ticker | 3.62% | Not screened |
| Franklin Emerging Market Core Equity (IU) Fundnot matched to a ticker | 3.38% | Not screened |
| Franklin U.S. Large Cap Multifactor Index ETFnot matched to a ticker | 3.38% | Not screened |
Top 10 of 21 holdings, 81.6% of the fund by weight. Every holding is screened, not only these.
The positions keeping this fund short of 100% compliant by weight.
Verdict history for FLRQX. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.
Tracked since 2026-09-07.
Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset
This fund prices once a day, so its bars carry no intraday high or low — floor-trader pivots are not defined for it.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally below. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 46.50 | NEUTRAL |
| Stochastic %K (14) | 34.78 | NEUTRAL |
| CCI (20) | -23.61 | NEUTRAL |
| Williams %R (14) | -65.22 | NEUTRAL |
| MACD (12,26,9) | 0.00 | BUY |
| ROC (10) | 0.15 | BUY |
| Momentum (10) | 0.02 | BUY |
| EMA (10) | 12.97 | SELL |
| SMA (10) | 12.96 | BUY |
| EMA (20) | 13.00 | SELL |
| SMA (20) | 12.99 | SELL |
| EMA (30) | 13.01 | SELL |
| SMA (30) | 13.03 | SELL |
| EMA (50) | 13.02 | SELL |
| SMA (50) | 13.07 | SELL |
| EMA (100) | 12.97 | SELL |
| SMA (100) | 13.03 | SELL |
| EMA (200) | 12.80 | BUY |
| SMA (200) | 12.82 | BUY |
Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.
The questions worth asking about any verdict on this page, answered plainly.
No. HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A fund marketed as Islamic still gets the same look-through as any other.
It is the share of the fund whose holdings HTR cannot cover far enough to rate. It is reported as unrated rather than counted as compliant, because a holding nobody screened should not look like one that passed.
It matters, and it is noted, but it does not replace the look-through. The board's judgement and the holdings screen are shown separately so you can see when they agree and when they do not.
When the fund files new holdings, and on a rolling basis besides. The date on the verdict above is the last time this fund was actually recomputed.
Open research, not a fatwa. HTR applies published screening standards to filings and publishes what they say, including when they disagree. Nothing here is financial advice or a recommendation to buy or sell. Verdicts can change when new filings land.
Same screen, different answers. Comparison is where the standards disagreeing becomes useful rather than confusing.
Peer screening computing — it will appear here on its own.
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.