Verdicts genuinely change. Free email alert the moment ICELX'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.
NYLIM Epoch International Choice Fund · NYLIM FUNDS TRUST
43 holdings
NON-COMPLIANT 47.81% of portfolio weight is in non-compliant holdings, over the 5% threshold.
43 holdings, 35 matched (96% of weight). Portfolio as of 2026-07-31, filed 2026-09-23. Source: SEC Form N-PORT.
2.82% of this portfolio’s income is non-permissible — weighted across holdings, computed over 80% of portfolio weight (30 of 43 holdings). The common approach purifies that proportion of income received — dividends — not of the position’s value. We report the ratio; what to do with it is a question for your own scholar.
48.2% compliant 0.0% questionable 47.8% non-compliant 3.9% unscreened
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| RELX RELX plc | COMPLIANT | 4.09% | AAOIFI16.2% Usmani49.2% Dow Jones Islamic12.5% S&P Shariah12.8% MSCI Islamic49.2% MSCI Islamic M-Series12.8% FTSE Shariah49.2% |
| 6861.T Keyence Corp. | COMPLIANT | 4.09% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| TSM Taiwan Semiconductor Manufacturing Co. Ltd. | COMPLIANT | 3.97% | AAOIFI1.5% Usmani13.8% Dow Jones Islamic0.5% S&P Shariah0.6% MSCI Islamic13.4% MSCI Islamic M-Series0.6% FTSE Shariah13.4% |
| ING ING Groep NV | NON_COMPLIANT | 3.81% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| ATCO-A.ST Atlas Copco AB | COMPLIANT | 3.73% | AAOIFIpass Usmanipass Dow Jones Islamicpass S&P Shariahpass MSCI Islamicpass MSCI Islamic M-Seriespass FTSE Shariahpass |
| CS.PA AXA SA | NON_COMPLIANT | 3.70% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| 8306.T Mitsubishi UFJ Financial Group, Inc. | NON_COMPLIANT | 3.68% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| DHL.DE Deutsche Post AG | NON_COMPLIANT | 3.62% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| LIN Linde plc | COMPLIANT | 3.60% | AAOIFI13.0% Usmani31.7% Dow Jones Islamic13.0% S&P Shariah13.4% MSCI Islamic31.7% MSCI Islamic M-Series13.4% FTSE Shariah31.7% |
| DB1.DE Deutsche Boerse AG | NON_COMPLIANT | 3.45% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| NDA-FI.HE Nordea Bank Abp | NON_COMPLIANT | 3.42% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| AZN AstraZeneca plc | COMPLIANT | 3.31% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| TTE.PA TotalEnergies SE | NON_COMPLIANT | 3.25% | AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass |
| 9697.T Capcom Co. Ltd. | COMPLIANT | 3.06% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| 6758.T Sony Group Corp. | COMPLIANT | 3.05% | AAOIFIpass Usmanipass Dow Jones Islamicpass S&P Shariahpass MSCI Islamicpass MSCI Islamic M-Seriespass FTSE Shariahpass |
| BNP.PA BNP Paribas SA | NON_COMPLIANT | 3.01% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| CPG.L Compass Group plc | COMPLIANT | 2.96% | AAOIFIpass Usmanipass Dow Jones Islamicpass S&P Shariahpass MSCI Islamicpass MSCI Islamic M-Seriespass FTSE Shariahpass |
| VNA.DE Vonovia SE | NON_COMPLIANT | 2.94% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| NYLIM U.S. Government Liquidity Fund | UNSCREENED | 2.90% | no in-house ratios for this holding |
| 005930.KS Samsung Electronics Co. Ltd. | COMPLIANT | 2.88% | AAOIFI1.4% Usmani5.3% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic4.5% MSCI Islamic M-Seriespass FTSE Shariah4.5% |
| SNY Sanofi SA | COMPLIANT | 2.81% | AAOIFI20.8% Usmani14.7% Dow Jones Islamic38.1% S&P Shariah38.6% MSCI Islamic14.7% MSCI Islamic M-Series38.6% FTSE Shariah14.7% |
| NN.AS NN Group NV | NON_COMPLIANT | 2.74% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| AIR.PA Airbus SE | NON_COMPLIANT | 2.45% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| LLOY.L Lloyds Banking Group plc | NON_COMPLIANT | 2.43% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| UL Unilever plc | COMPLIANT | 2.40% | AAOIFI27.6% Usmani41.0% Dow Jones Islamic23.6% S&P Shariah24.9% MSCI Islamic39.2% MSCI Islamic M-Series24.9% FTSE Shariah39.2% |
| SUNB Sunbelt Rentals Holdings, Inc. | NON_COMPLIANT | 2.40% | AAOIFI38.5% Usmani49.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic48.4% MSCI Islamic M-Seriesfail FTSE Shariah36.2% |
| 7269.T Suzuki Motor Corp. | NON_COMPLIANT | 2.08% | AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahpass MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass |
| BATS.L British American Tobacco plc | NON_COMPLIANT | 1.93% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| 6501.T Hitachi Ltd. | COMPLIANT | 1.83% | AAOIFIpass Usmanipass Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahpass |
| EPI-A.ST Epiroc AB | COMPLIANT | 1.58% | AAOIFI6.4% Usmani28.6% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic25.1% MSCI Islamic M-Seriespass FTSE Shariah25.1% |
| CCEP.AS Coca-Cola Europacific Partners plc | COMPLIANT | 1.56% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BA.L BAE Systems plc | NON_COMPLIANT | 1.55% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| MC.PA LVMH Moet Hennessy Louis Vuitton SE | COMPLIANT | 1.39% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicpass MSCI Islamic M-Seriespass FTSE Shariahpass |
| SVT.L Severn Trent plc | NON_COMPLIANT | 1.37% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| 6920.T Lasertec Corp. | COMPLIANT | 0.97% | AAOIFIpass Usmanipass Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahpass |
| SIEMENS.NS Siemens AG | COMPLIANT | 0.96% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| INVESCO GOVT AND AGCY LEX | UNSCREENED | 0.61% | no in-house ratios for this holding |
| EURO | UNSCREENED | 0.43% | no in-house ratios for this holding |
| Pound Sterling | UNSCREENED | 0.00% | no in-house ratios for this holding |
| Australian Dollar | UNSCREENED | 0.00% | no in-house ratios for this holding |
| Yen | UNSCREENED | 0.00% | no in-house ratios for this holding |
| Danish Krone | UNSCREENED | 0.00% | no in-house ratios for this holding |
| Swedish Krona | UNSCREENED | 0.00% | no in-house ratios for this holding |
The published standards disagree about this fund by 18 points of portfolio weight — 44.9% of it passes AAOIFI, 27.3% passes MSCI Islamic. Which number is yours depends on which standard you follow.
These bars are the financial-ratio result under each standard — debt, receivables and interest income. They do not screen what the business does, so a holding can pass every ratio here and still be questionable or non-compliant on activity. The blended verdict above accounts for both.
ratios pass on 44.9% ratios fail on 47.8% 7.3% not rated under AAOIFI
ratios pass on 28.7% ratios fail on 64.0% 7.3% not rated under Usmani
ratios pass on 42.1% ratios fail on 50.6% 7.3% not rated under Dow Jones Islamic
ratios pass on 42.6% ratios fail on 50.1% 7.3% not rated under S&P Shariah
ratios pass on 27.3% ratios fail on 65.4% 7.3% not rated under MSCI Islamic
ratios pass on 40.6% ratios fail on 52.2% 7.3% not rated under MSCI Islamic M-Series
ratios pass on 30.1% ratios fail on 62.6% 7.3% not rated under FTSE Shariah
35 of 43 listed holdings carry our own per-methodology verdicts (96% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 9 (28% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.
| Non-compliant holding | Weight |
|---|---|
| ING ING Groep NV | 3.81% |
| CS.PA AXA SA | 3.70% |
| 8306.T Mitsubishi UFJ Financial Group, Inc. | 3.68% |
| DHL.DE Deutsche Post AG | 3.62% |
| DB1.DE Deutsche Boerse AG | 3.45% |
| NDA-FI.HE Nordea Bank Abp | 3.42% |
| TTE.PA TotalEnergies SE | 3.25% |
| BNP.PA BNP Paribas SA | 3.01% |
| VNA.DE Vonovia SE | 2.94% |
| NN.AS NN Group NV | 2.74% |
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
NYLIM Epoch International Choice Fund (ICELX) 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 |
|---|---|---|
| RELXRELX plc | 4.09% | Compliant |
| 6861.TKeyence Corp. | 4.09% | Compliant |
| TSMTaiwan Semiconductor Manufacturing Co. Ltd. | 3.97% | Compliant |
| INGING Groep NV | 3.81% | Non-compliant |
| ATCO-A.STAtlas Copco AB | 3.73% | Compliant |
| CS.PAAXA SA | 3.70% | Non-compliant |
| 8306.TMitsubishi UFJ Financial Group, Inc. | 3.68% | Non-compliant |
| DHL.DEDeutsche Post AG | 3.62% | Non-compliant |
| LINLinde plc | 3.60% | Compliant |
| DB1.DEDeutsche Boerse AG | 3.45% | Non-compliant |
Top 10 of 43 holdings, 37.7% 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 ICELX. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.
ℹ️ no compliance scan has run for 3 days - this is not a reading of today
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) | 45.00 | NEUTRAL |
| Stochastic %K (14) | 31.76 | NEUTRAL |
| CCI (20) | -61.07 | NEUTRAL |
| Williams %R (14) | -68.24 | NEUTRAL |
| MACD (12,26,9) | -0.05 | SELL |
| ROC (10) | -1.56 | SELL |
| Momentum (10) | -0.87 | SELL |
| EMA (10) | 55.01 | SELL |
| SMA (10) | 54.97 | SELL |
| EMA (20) | 55.30 | SELL |
| SMA (20) | 55.35 | SELL |
| EMA (30) | 55.48 | SELL |
| SMA (30) | 55.66 | SELL |
| EMA (50) | 55.52 | SELL |
| SMA (50) | 56.11 | SELL |
| EMA (100) | 54.83 | BUY |
| SMA (100) | 55.17 | SELL |
| EMA (200) | 52.75 | BUY |
| SMA (200) | 53.00 | 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.