Verdicts genuinely change. Free email alert the moment JICDX'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.
Core Bond Fund · John Hancock Funds II
974 holdings
This fund holds short positions, so exposure is counted gross — long and short both count as exposure rather than netting off, and the weights below therefore sum to 105% of net assets rather than 100%. Shares of the portfolio are shown as shares of that gross exposure.
NON-COMPLIANT 73.51% of portfolio weight is in non-compliant holdings, over the 5% threshold.
62.52% 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.
974 holdings, 643 matched (76% of weight). Portfolio as of 2026-05-31, filed 2026-07-27. Source: SEC Form N-PORT.
3.37% of this portfolio’s income is non-permissible — weighted across holdings, computed over 12% of portfolio weight (190 of 974 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.
4.3% compliant 1.6% questionable 70.3% non-compliant 23.8% unscreened
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| State Street Bank and Trust Company | UNSCREENED | 4.63% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 2.54% | no in-house ratios for this holding |
| FANNIE MAE OR FREDDIE MAC MBS 30YR TBA | NON_COMPLIANT | 2.10% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 1.98% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 1.76% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 1.71% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 1.51% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 1.20% | no in-house ratios for this holding |
| FANNIE MAE OR FREDDIE MAC MBS 30YR TBA | NON_COMPLIANT | 1.18% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 1.11% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 1.08% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.89% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.89% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 01/52 FIXED 2.5 | NON_COMPLIANT | 0.88% | no in-house ratios for this holding |
| GINNIE MAE II POOL G2 02/51 FIXED 2 | NON_COMPLIANT | 0.86% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.84% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.81% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.81% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.73% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.72% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.65% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.65% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.64% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.63% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 11/40 FIXED 4.5 | NON_COMPLIANT | 0.63% | no in-house ratios for this holding |
| GINNIE MAE II POOL G2 12/50 FIXED 2 | NON_COMPLIANT | 0.62% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.61% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.58% | no in-house ratios for this holding |
| GINNIE MAE II POOL G2 11/50 FIXED 2 | NON_COMPLIANT | 0.58% | no in-house ratios for this holding |
| GINNIE MAE II POOL G2 10/52 FIXED 4 | NON_COMPLIANT | 0.57% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.55% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.54% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.53% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.52% | no in-house ratios for this holding |
| FANNIE MAE REMICS FNR 2025 98 PK | NON_COMPLIANT | 0.52% | no in-house ratios for this holding |
| GINNIE MAE II POOL G2 04/51 FIXED 3.5 | NON_COMPLIANT | 0.51% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.41% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.41% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 05/56 FIXED 5 | NON_COMPLIANT | 0.39% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 05/55 FIXED 5.5 | NON_COMPLIANT | 0.39% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.39% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.39% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 09/54 FIXED 6 | NON_COMPLIANT | 0.38% | no in-house ratios for this holding |
| Morgan Stanley Private Bank National Association | UNSCREENED | 0.38% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.38% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.37% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.35% | no in-house ratios for this holding |
| GS The Goldman Sachs Group Inc. | NON_COMPLIANT | 0.33% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| Fannie Mae Pool | NON_COMPLIANT | 0.33% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.32% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 06/55 FIXED 6 | NON_COMPLIANT | 0.32% | no in-house ratios for this holding |
| BAC Bank of America Corporation | NON_COMPLIANT | 0.32% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| GINNIE MAE II POOL G2 10/50 FIXED 2 | NON_COMPLIANT | 0.31% | no in-house ratios for this holding |
| GINNIE MAE II POOL G2 07/50 FIXED 2.5 | NON_COMPLIANT | 0.31% | no in-house ratios for this holding |
| FANNIE MAE OR FREDDIE MAC MBS 30YR TBA | NON_COMPLIANT | 0.30% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.30% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.30% | no in-house ratios for this holding |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.30% | no in-house ratios for this holding |
| FREDDIE MAC GOLD POOL FG 12/46 FIXED 3 | NON_COMPLIANT | 0.29% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.28% | no in-house ratios for this holding |
| FREDDIE MAC REMICS FHR 4611 BF | NON_COMPLIANT | 0.28% | no in-house ratios for this holding |
| GINNIE MAE II POOL G2 01/53 FIXED 6 | NON_COMPLIANT | 0.28% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.27% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 04/47 FIXED 3 | NON_COMPLIANT | 0.26% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.25% | no in-house ratios for this holding |
| Toyota Auto Loan Extended Note Trust 2024-1 | UNSCREENED | 0.25% | no in-house ratios for this holding |
| Toyota Auto Loan Extended Note Trust 2026-1 | UNSCREENED | 0.25% | no in-house ratios for this holding |
| FORD CREDIT AUTO OWNER TRUST 2 FORDR 2026 1 A 144A | UNSCREENED | 0.25% | no in-house ratios for this holding |
| T-MOBILE US TRUST 2024-2 TMUST 2024 2A A 144A | UNSCREENED | 0.22% | no in-house ratios for this holding |
| GS The Goldman Sachs Group Inc. | NON_COMPLIANT | 0.22% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| FANNIE MAE REMICS FNR 2016 57 PC | NON_COMPLIANT | 0.21% | no in-house ratios for this holding |
| VERIZON MASTER TRUST SERIES 20 VZMT 2025 2 A 144A | UNSCREENED | 0.21% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.21% | no in-house ratios for this holding |
| Goldman Sachs Bank USA | UNSCREENED | 0.21% | no in-house ratios for this holding |
| GS The Goldman Sachs Group Inc. | NON_COMPLIANT | 0.20% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| GINNIE MAE II POOL G2 05/52 FIXED 3.5 | NON_COMPLIANT | 0.20% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 09/54 FIXED 6 | NON_COMPLIANT | 0.20% | no in-house ratios for this holding |
| MS Morgan Stanley | NON_COMPLIANT | 0.20% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| United States Treasury Note/Bond | NON_COMPLIANT | 0.20% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.20% | no in-house ratios for this holding |
| Ford Credit Floorplan Master Owner Trust A | UNSCREENED | 0.20% | no in-house ratios for this holding |
| Morgan Stanley Private Bank National Association | UNSCREENED | 0.19% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.19% | no in-house ratios for this holding |
| Government National Mortgage Association | NON_COMPLIANT | 0.19% | no in-house ratios for this holding |
| Novartis Capital Corporation | UNSCREENED | 0.19% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.18% | no in-house ratios for this holding |
| FREDDIE MAC REMICS FHR 5114 AD | NON_COMPLIANT | 0.18% | no in-house ratios for this holding |
| MS Morgan Stanley | NON_COMPLIANT | 0.18% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| Fannie Mae Pool | NON_COMPLIANT | 0.18% | no in-house ratios for this holding |
| Ford Credit Floorplan Master Owner Trust A | UNSCREENED | 0.17% | no in-house ratios for this holding |
| NAVIENT REFINANCE LOAN TRUST 2 NAVRL 2026 A A 144A | UNSCREENED | 0.17% | no in-house ratios for this holding |
| WORLD OMNI AUTO RECEIVABLES TR WOART 2026 B A3 | UNSCREENED | 0.17% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 03/50 FIXED 4 | NON_COMPLIANT | 0.17% | no in-house ratios for this holding |
| HONA Honeywell Aerospace Inc. | COMPLIANT | 0.17% | AAOIFI32.8% Usmani83.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic83.4% MSCI Islamic M-Seriespass FTSE Shariah81.8% |
| Caterpillar Financial Services Corporation | UNSCREENED | 0.17% | no in-house ratios for this holding |
| GS The Goldman Sachs Group Inc. | NON_COMPLIANT | 0.17% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| MS Morgan Stanley | NON_COMPLIANT | 0.17% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| Carmax Auto Owner Trust 2025-2 | UNSCREENED | 0.17% | no in-house ratios for this holding |
| Verizon Master Trust | UNSCREENED | 0.16% | no in-house ratios for this holding |
| Ford Credit Floorplan Master Owner Trust A | UNSCREENED | 0.16% | no in-house ratios for this holding |
| ANHEUSER-BUSCH COS LLC / ANHEU COMPANY GUAR 02/36 4.7 | UNSCREENED | 0.16% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.16% | no in-house ratios for this holding |
| MS Morgan Stanley | NON_COMPLIANT | 0.16% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| HONA Honeywell Aerospace Inc. | COMPLIANT | 0.16% | AAOIFI32.8% Usmani83.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic83.4% MSCI Islamic M-Seriespass FTSE Shariah81.8% |
| H.TO Hydro One Inc. | NON_COMPLIANT | 0.16% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| FREDDIE MAC NON GOLD POOL FH 05/53 FLOATING VAR | NON_COMPLIANT | 0.15% | no in-house ratios for this holding |
| FANNIE MAE REMICS FNR 2021 27 EC | NON_COMPLIANT | 0.15% | no in-house ratios for this holding |
| GINNIE MAE I POOL GN 11/47 FIXED 3 | NON_COMPLIANT | 0.15% | no in-house ratios for this holding |
| BANK5 2026-5YR22 BANK5 2026 5YR22 A3 | UNSCREENED | 0.15% | no in-house ratios for this holding |
| Ford Motor Credit Company LLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| HONA Honeywell Aerospace Inc. | COMPLIANT | 0.14% | AAOIFI32.8% Usmani83.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic83.4% MSCI Islamic M-Seriespass FTSE Shariah81.8% |
| FANNIE MAE REMICS FNR 2025 95 FC | NON_COMPLIANT | 0.14% | no in-house ratios for this holding |
| FREDDIE MAC NON GOLD POOL FH 02/56 FLOATING VAR | NON_COMPLIANT | 0.14% | no in-house ratios for this holding |
| META Meta Platforms Inc. | QUESTIONABLE | 0.14% | AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6% |
| Pacific Gas and Electric Co | UNSCREENED | 0.14% | no in-house ratios for this holding |
| PM Philip Morris International Inc. | NON_COMPLIANT | 0.14% | AAOIFI16.1% Usmani66.9% Dow Jones Islamic18.9% S&P Shariah22.1% MSCI Islamic66.9% MSCI Islamic M-Series22.1% FTSE Shariah66.9% |
| FREDDIE MAC POOL FR 05/51 FIXED 2.5 | NON_COMPLIANT | 0.14% | no in-house ratios for this holding |
| HYUNDAI AUTO LEASE SECURITIZAT HALST 2025 B A3 144A | UNSCREENED | 0.14% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 06/40 FIXED 4.5 | NON_COMPLIANT | 0.14% | no in-house ratios for this holding |
| PNC Bank National Association | UNSCREENED | 0.14% | no in-house ratios for this holding |
| BNS.TO The Bank of Nova Scotia | NON_COMPLIANT | 0.14% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Fannie Mae Pool | NON_COMPLIANT | 0.14% | no in-house ratios for this holding |
| GS The Goldman Sachs Group Inc. | NON_COMPLIANT | 0.14% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| Fannie Mae Pool | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| ETN Eaton Corporation | COMPLIANT | 0.13% | AAOIFI13.4% Usmani38.0% Dow Jones Islamic15.6% S&P Shariah16.9% MSCI Islamic38.0% MSCI Islamic M-Series16.9% FTSE Shariah36.7% |
| FREDDIE MAC POOL FR 09/51 FIXED 2.5 | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| DAL Delta Air Lines Inc. | NON_COMPLIANT | 0.13% | AAOIFI35.9% Usmani21.9% Dow Jones Islamic46.8% S&P Shariah52.9% MSCI Islamic21.9% MSCI Islamic M-Series52.9% FTSE Shariah15.0% |
| AMZN Amazon.com Inc. | QUESTIONABLE | 0.13% | AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1% |
| HYUNDAI AUTO LEASE SECURITIZAT HALST 2026 B A3 144A | UNSCREENED | 0.13% | no in-house ratios for this holding |
| FREDDIE MAC REMICS FHR 4582 HA | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| Virginia Electric and Power Company | UNSCREENED | 0.13% | no in-house ratios for this holding |
| DAL Delta Air Lines Inc. | NON_COMPLIANT | 0.13% | AAOIFI35.9% Usmani21.9% Dow Jones Islamic46.8% S&P Shariah52.9% MSCI Islamic21.9% MSCI Islamic M-Series52.9% FTSE Shariah15.0% |
| META Meta Platforms Inc. | QUESTIONABLE | 0.13% | AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6% |
| Fannie Mae Pool | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| Verizon Master Trust | UNSCREENED | 0.13% | no in-house ratios for this holding |
| NAVIENT PRIVATE EDUCATION REFI NAVSL 2022 A A 144A | UNSCREENED | 0.13% | no in-house ratios for this holding |
| FREDDIE MAC REMICS FHR 5396 HF | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| PFE Pfizer Inc. | NON_COMPLIANT | 0.13% | AAOIFI39.8% Usmani31.4% Dow Jones Islamic46.1% S&P Shariah45.9% MSCI Islamic31.4% MSCI Islamic M-Series45.9% FTSE Shariah31.4% |
| FREDDIE MAC POOL FR 04/45 FIXED 3 | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 04/43 FIXED 3 | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| PM Philip Morris International Inc. | NON_COMPLIANT | 0.12% | AAOIFI16.1% Usmani66.9% Dow Jones Islamic18.9% S&P Shariah22.1% MSCI Islamic66.9% MSCI Islamic M-Series22.1% FTSE Shariah66.9% |
| HSBA.L HSBC Holdings PLC | NON_COMPLIANT | 0.12% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BBVA Bancomer S.A. | UNSCREENED | 0.12% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| MERCEDES-BENZ AUTO RECEIVABLES MBART 2026 1 A4 | UNSCREENED | 0.12% | no in-house ratios for this holding |
| Citizens Bank National Association | UNSCREENED | 0.12% | no in-house ratios for this holding |
| AMZN Amazon.com Inc. | QUESTIONABLE | 0.12% | AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1% |
| FORD CREDIT AUTO OWNER TRUST/F FORDR 2025 1 A 144A | UNSCREENED | 0.12% | no in-house ratios for this holding |
| Government National Mortgage Association | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| USB U.S. Bancorp | NON_COMPLIANT | 0.12% | AAOIFI38.7% Usmani5.1% Dow Jones Islamic49.4% S&P Shariah54.1% MSCI Islamic5.1% MSCI Islamic M-Series54.1% FTSE Shariah5.1% |
| FANNIE MAE REMICS FNR 2016 19 FD | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| LLOY.L Lloyds Banking Group plc | NON_COMPLIANT | 0.12% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| GINNIE MAE II POOL G2 10/50 FIXED 3 | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| PM Philip Morris International Inc. | NON_COMPLIANT | 0.12% | AAOIFI16.1% Usmani66.9% Dow Jones Islamic18.9% S&P Shariah22.1% MSCI Islamic66.9% MSCI Islamic M-Series22.1% FTSE Shariah66.9% |
| MT ArcelorMittal | NON_COMPLIANT | 0.12% | AAOIFI31.9% Usmani13.7% Dow Jones Islamic40.2% S&P Shariah46.6% MSCI Islamic13.7% MSCI Islamic M-Series46.6% FTSE Shariah13.7% |
| AVGO Broadcom Inc. | COMPLIANT | 0.12% | AAOIFI3.8% Usmani32.5% Dow Jones Islamic4.4% S&P Shariah5.5% MSCI Islamic32.5% MSCI Islamic M-Series5.5% FTSE Shariah32.5% |
| Fannie Mae Pool | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| State of Israel | UNSCREENED | 0.12% | no in-house ratios for this holding |
| FANNIE MAE REMICS FNR 2017 24 PG | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| Export Finance and Insurance Corporation | UNSCREENED | 0.11% | no in-house ratios for this holding |
| ABBV AbbVie Inc. | COMPLIANT | 0.11% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| GINNIE MAE II POOL G2 06/38 FIXED 2.5 | NON_COMPLIANT | 0.11% | no in-house ratios for this holding |
| GINNIE MAE II POOL G2 01/51 FIXED 2 | NON_COMPLIANT | 0.11% | no in-house ratios for this holding |
| FREDDIE MAC REMICS FHR 4857 JA | NON_COMPLIANT | 0.11% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 02/45 FIXED 3 | NON_COMPLIANT | 0.11% | no in-house ratios for this holding |
| ABBV AbbVie Inc. | COMPLIANT | 0.11% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| AVGO Broadcom Inc. | COMPLIANT | 0.11% | AAOIFI3.8% Usmani32.5% Dow Jones Islamic4.4% S&P Shariah5.5% MSCI Islamic32.5% MSCI Islamic M-Series5.5% FTSE Shariah32.5% |
| Fannie Mae Pool | NON_COMPLIANT | 0.11% | no in-house ratios for this holding |
| GS The Goldman Sachs Group Inc. | NON_COMPLIANT | 0.11% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| RTX RTX Corporation | NON_COMPLIANT | 0.11% | AAOIFI12.5% Usmani19.3% Dow Jones Islamic15.9% S&P Shariah18.5% MSCI Islamic19.3% MSCI Islamic M-Series18.5% FTSE Shariah18.4% |
| AVGO Broadcom Inc. | COMPLIANT | 0.11% | AAOIFI3.8% Usmani32.5% Dow Jones Islamic4.4% S&P Shariah5.5% MSCI Islamic32.5% MSCI Islamic M-Series5.5% FTSE Shariah32.5% |
| BX TRUST 2025-VOLT BX 2025 VOLT A 144A | UNSCREENED | 0.11% | no in-house ratios for this holding |
| TFC Truist Financial Corporation | NON_COMPLIANT | 0.11% | AAOIFI110.7% Usmani12.6% Dow Jones Islamic124.2% S&P Shariah135.1% MSCI Islamic12.6% MSCI Islamic M-Series135.1% FTSE Shariah12.6% |
| Government National Mortgage Association | NON_COMPLIANT | 0.11% | no in-house ratios for this holding |
| Beignet Investor LLC | UNSCREENED | 0.11% | no in-house ratios for this holding |
| BNS.TO The Bank of Nova Scotia | NON_COMPLIANT | 0.11% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Caterpillar Financial Services Corporation | UNSCREENED | 0.11% | no in-house ratios for this holding |
| ATandT Inc. | UNSCREENED | 0.11% | no in-house ratios for this holding |
| Verizon Master Trust | UNSCREENED | 0.11% | no in-house ratios for this holding |
| NISSAN AUTO LEASE TRUST 2026-A NALT 2026 A A3 | UNSCREENED | 0.11% | no in-house ratios for this holding |
| Oncor Electric Delivery Company LLC | UNSCREENED | 0.11% | no in-house ratios for this holding |
| MS Morgan Stanley | NON_COMPLIANT | 0.11% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| SAN.MC Banco Santander SA | NON_COMPLIANT | 0.11% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| AVGO Broadcom Inc. | COMPLIANT | 0.10% | AAOIFI3.8% Usmani32.5% Dow Jones Islamic4.4% S&P Shariah5.5% MSCI Islamic32.5% MSCI Islamic M-Series5.5% FTSE Shariah32.5% |
| AmeriCredit Automobile Receivables Trust 2026-1 | UNSCREENED | 0.10% | no in-house ratios for this holding |
| Siemens Funding B.V. | UNSCREENED | 0.10% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| PNC The PNC Financial Services Group Inc. | NON_COMPLIANT | 0.10% | AAOIFI87.5% Usmani13.9% Dow Jones Islamic110.0% S&P Shariah122.6% MSCI Islamic13.9% MSCI Islamic M-Series122.6% FTSE Shariah13.9% |
| SFS AUTO RECEIVABLES SECURITIZ SFAST 2026 1A A3 144A | UNSCREENED | 0.10% | no in-house ratios for this holding |
| Morgan Stanley Private Bank National Association | UNSCREENED | 0.10% | no in-house ratios for this holding |
| Santander Drive Auto Receivables Trust 2025-3 | UNSCREENED | 0.10% | no in-house ratios for this holding |
| HONA Honeywell Aerospace Inc. | COMPLIANT | 0.10% | AAOIFI32.8% Usmani83.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic83.4% MSCI Islamic M-Seriespass FTSE Shariah81.8% |
| Fannie Mae Pool | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| HONA Honeywell Aerospace Inc. | COMPLIANT | 0.10% | AAOIFI32.8% Usmani83.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic83.4% MSCI Islamic M-Seriespass FTSE Shariah81.8% |
| Alcon Finance Corporation | UNSCREENED | 0.10% | no in-house ratios for this holding |
| AMGN Amgen Inc. | COMPLIANT | 0.10% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| Fannie Mae Pool | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| ABBV AbbVie Inc. | COMPLIANT | 0.10% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| Ford Credit Floorplan Master Owner Trust A | UNSCREENED | 0.10% | no in-house ratios for this holding |
| ABNB Airbnb Inc. | NON_COMPLIANT | 0.10% | AAOIFI2.3% Usmani8.7% Dow Jones Islamic3.1% S&P Shariah3.1% MSCI Islamic8.7% MSCI Islamic M-Series3.1% FTSE Shariah8.6% |
| FIS Fidelity National Information Services Inc. | NON_COMPLIANT | 0.10% | AAOIFI78.8% Usmani38.6% Dow Jones Islamic50.4% S&P Shariah49.4% MSCI Islamic38.6% MSCI Islamic M-Series49.4% FTSE Shariah38.4% |
| LLOY.L Lloyds Banking Group plc | NON_COMPLIANT | 0.10% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| STELLANTIS FINANCIAL UNDERWRIT SFUEL 2025 CA A3 144A | UNSCREENED | 0.10% | no in-house ratios for this holding |
| Synchrony Card Funding LLC | UNSCREENED | 0.10% | no in-house ratios for this holding |
| MS Morgan Stanley | NON_COMPLIANT | 0.10% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| FANNIE MAE REMICS FNR 2023 37 FH | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| ORA.PA Orange | NON_COMPLIANT | 0.10% | AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass |
| BENCHMARK 2026-V22 BMARK 2026 V22 A3 | UNSCREENED | 0.10% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 04/47 FIXED 3 | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| Government National Mortgage Association | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| VRSK Verisk Analytics Inc. | QUESTIONABLE | 0.10% | AAOIFI18.2% Usmani101.0% Dow Jones Islamic13.7% S&P Shariah13.5% MSCI Islamic100.6% MSCI Islamic M-Series13.5% FTSE Shariah97.3% |
| META Meta Platforms Inc. | QUESTIONABLE | 0.10% | AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6% |
| GOOG Alphabet Inc. | QUESTIONABLE | 0.10% | AAOIFI2.9% Usmani13.1% Dow Jones Islamic3.9% S&P Shariah4.5% MSCI Islamic12.8% MSCI Islamic M-Series4.5% FTSE Shariah10.9% |
| Government National Mortgage Association | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| SFS AUTO RECEIVABLES SECURITIZ SFAST 2025 3A A3 144A | UNSCREENED | 0.10% | no in-house ratios for this holding |
| LLY Eli Lilly and Company | COMPLIANT | 0.10% | AAOIFI5.2% Usmani38.6% Dow Jones Islamic6.4% S&P Shariah6.9% MSCI Islamic38.6% MSCI Islamic M-Series6.9% FTSE Shariah38.6% |
| FREDDIE MAC REMICS FHR 5335 FB | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| GE General Electric Company | NON_COMPLIANT | 0.10% | AAOIFI6.1% Usmani16.1% Dow Jones Islamic7.4% S&P Shariah8.6% MSCI Islamic16.1% MSCI Islamic M-Series8.6% FTSE Shariah15.3% |
| FANNIE MAE REMICS FNR 2016 48 MA | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| ABBV AbbVie Inc. | COMPLIANT | 0.10% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| GOOG Alphabet Inc. | QUESTIONABLE | 0.09% | AAOIFI2.9% Usmani13.1% Dow Jones Islamic3.9% S&P Shariah4.5% MSCI Islamic12.8% MSCI Islamic M-Series4.5% FTSE Shariah10.9% |
| Fannie Mae Pool | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| GS MORTGAGE SECURITIES TRUST 2 GSMS 2020 GSA2 A4 | UNSCREENED | 0.09% | no in-house ratios for this holding |
| Novartis Capital Corporation | UNSCREENED | 0.09% | no in-house ratios for this holding |
| SAN.MC Banco Santander SA | NON_COMPLIANT | 0.09% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Nippon Life Insurance Company | UNSCREENED | 0.09% | no in-house ratios for this holding |
| FREDDIE MAC POOL FR 06/46 FIXED 2.5 | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| USB U.S. Bancorp | NON_COMPLIANT | 0.09% | AAOIFI38.7% Usmani5.1% Dow Jones Islamic49.4% S&P Shariah54.1% MSCI Islamic5.1% MSCI Islamic M-Series54.1% FTSE Shariah5.1% |
| GINNIE MAE II POOL G2 09/52 FIXED 4 | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| HSBA.L HSBC Holdings PLC | NON_COMPLIANT | 0.09% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BMO.TO Bank of Montreal | NON_COMPLIANT | 0.09% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| SWCH COMMERCIAL MORTGAGE TRUST SWCH 2025 DATA A 144A | UNSCREENED | 0.09% | no in-house ratios for this holding |
| JH COLLATERAL | UNSCREENED | 0.09% | no in-house ratios for this holding |
| ENB.TO Enbridge Inc. | NON_COMPLIANT | 0.09% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Fannie Mae Pool | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| Glencore Funding LLC | UNSCREENED | 0.09% | no in-house ratios for this holding |
| GS The Goldman Sachs Group Inc. | NON_COMPLIANT | 0.09% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| Fannie Mae Pool | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| ORA.PA Orange | NON_COMPLIANT | 0.09% | AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass |
| ATandT Inc. | UNSCREENED | 0.09% | no in-house ratios for this holding |
| PFE Pfizer Inc. | NON_COMPLIANT | 0.09% | AAOIFI39.8% Usmani31.4% Dow Jones Islamic46.1% S&P Shariah45.9% MSCI Islamic31.4% MSCI Islamic M-Series45.9% FTSE Shariah31.4% |
| FirstEnergy Pennsylvania Electric Co | UNSCREENED | 0.09% | no in-house ratios for this holding |
| Arizona Public Service Company | UNSCREENED | 0.09% | no in-house ratios for this holding |
| Fannie Mae Pool | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
The published standards disagree about this fund by 3 points of portfolio weight — 7.5% of it passes Dow Jones Islamic, 4.8% 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 6.4% ratios fail on 10.1% 88.0% not rated under AAOIFI
ratios pass on 5.0% ratios fail on 9.2% 90.4% not rated under Usmani
ratios pass on 7.5% ratios fail on 8.5% 88.5% not rated under Dow Jones Islamic
ratios pass on 7.0% ratios fail on 9.1% 88.5% not rated under S&P Shariah
ratios pass on 4.8% ratios fail on 9.1% 90.7% not rated under MSCI Islamic
ratios pass on 7.0% ratios fail on 9.1% 88.5% not rated under MSCI Islamic M-Series
ratios pass on 5.2% ratios fail on 9.0% 90.4% not rated under FTSE Shariah
81 of 974 listed holdings carry our own per-methodology verdicts (17% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 64 (14% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.
| Non-compliant holding | Weight |
|---|---|
| United States Treasury Note/Bond | 2.54% |
| FANNIE MAE OR FREDDIE MAC MBS 30YR TBA | 2.10% |
| United States Treasury Note/Bond | 1.98% |
| United States Treasury Note/Bond | 1.76% |
| United States Treasury Note/Bond | 1.71% |
| United States Treasury Note/Bond | 1.51% |
| United States Treasury Note/Bond | 1.20% |
| FANNIE MAE OR FREDDIE MAC MBS 30YR TBA | 1.18% |
| United States Treasury Note/Bond | 1.11% |
| United States Treasury Note/Bond | 1.08% |
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
Core Bond Fund (JICDX) 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 |
|---|---|---|
| State Street Bank and Trust Companynot matched to a ticker | 4.63% | Not screened |
| United States Treasury Note/Bondnot matched to a ticker | 2.54% | Non-compliant |
| FANNIE MAE OR FREDDIE MAC MBS 30YR TBAnot matched to a ticker | 2.10% | Non-compliant |
| United States Treasury Note/Bondnot matched to a ticker | 1.98% | Non-compliant |
| United States Treasury Note/Bondnot matched to a ticker | 1.76% | Non-compliant |
| United States Treasury Note/Bondnot matched to a ticker | 1.71% | Non-compliant |
| United States Treasury Note/Bondnot matched to a ticker | 1.51% | Non-compliant |
| United States Treasury Note/Bondnot matched to a ticker | 1.20% | Non-compliant |
| FANNIE MAE OR FREDDIE MAC MBS 30YR TBAnot matched to a ticker | 1.18% | Non-compliant |
| United States Treasury Note/Bondnot matched to a ticker | 1.11% | Non-compliant |
Top 10 of 974 holdings, 19.7% 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 JICDX. 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
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.