Verdicts genuinely change. Free email alert the moment SZIAX'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.
DWS Total Return Bond Fund · DEUTSCHE DWS PORTFOLIO TRUST
332 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 103% of net assets rather than 100%. Shares of the portfolio are shown as shares of that gross exposure.
NON-COMPLIANT At least 47.70% of portfolio weight is in non-compliant holdings — already over the 5% threshold, so the verdict is settled whatever the unmatched 48% turns out to be. Matching more holdings can only raise this share, never lower it.
29.53% 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.
332 holdings, 167 matched (53% of weight). Portfolio as of 2026-07-31, filed 2026-09-25. Source: SEC Form N-PORT.
4.03% of this portfolio’s income is non-permissible — weighted across holdings, computed over 19% of portfolio weight (87 of 332 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.
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 |
|---|---|---|---|
| United States Treasury | NON_COMPLIANT | 3.88% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 2.79% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 2.23% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 1.88% | no in-house ratios for this holding |
| Freddie Mac | NON_COMPLIANT | 1.77% | no in-house ratios for this holding |
| GLS Auto Receivables Trust | UNSCREENED | 1.40% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 1.37% | no in-house ratios for this holding |
| Servpro Master Issuer, LLC | UNSCREENED | 1.35% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.30% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.26% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.21% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 1.21% | no in-house ratios for this holding |
| Government National Mortgage Association | NON_COMPLIANT | 1.09% | no in-house ratios for this holding |
| NYC Commercial Mortgage Trust | UNSCREENED | 0.93% | no in-house ratios for this holding |
| Hudson Yards | UNSCREENED | 0.92% | no in-house ratios for this holding |
| Extended Stay America Trust | UNSCREENED | 0.88% | no in-house ratios for this holding |
| Manhattan West Mortgage Trust | UNSCREENED | 0.86% | no in-house ratios for this holding |
| Hertz Vehicle Financing LLC | UNSCREENED | 0.86% | no in-house ratios for this holding |
| Jersey Mikes Funding LLC | UNSCREENED | 0.83% | no in-house ratios for this holding |
| Freddie Mac | NON_COMPLIANT | 0.82% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 0.80% | no in-house ratios for this holding |
| DWS | UNSCREENED | 0.79% | no in-house ratios for this holding |
| The Huntington National Bank | UNSCREENED | 0.78% | no in-house ratios for this holding |
| Freddie Mac | NON_COMPLIANT | 0.76% | no in-house ratios for this holding |
| Manhattan West Mortgage Trust | UNSCREENED | 0.71% | no in-house ratios for this holding |
| Venture CDO Ltd | UNSCREENED | 0.70% | no in-house ratios for this holding |
| JP Morgan Chase Commercial Mortgage Sec Trust | UNSCREENED | 0.68% | no in-house ratios for this holding |
| Government National Mortgage Association | NON_COMPLIANT | 0.63% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 0.63% | no in-house ratios for this holding |
| U.S. Bank National Association | UNSCREENED | 0.61% | no in-house ratios for this holding |
| DISCOVERY HOLDINGS INC | UNSCREENED | 0.60% | no in-house ratios for this holding |
| JP Morgan Chase Commercial Mortgage Sec Trust | UNSCREENED | 0.58% | no in-house ratios for this holding |
| Dryden Senior Loan Fund | UNSCREENED | 0.56% | no in-house ratios for this holding |
| Manhattan West Mortgage Trust | UNSCREENED | 0.55% | no in-house ratios for this holding |
| Hudson Yards | UNSCREENED | 0.54% | no in-house ratios for this holding |
| Freddie Mac | NON_COMPLIANT | 0.52% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 0.52% | no in-house ratios for this holding |
| Western Alliance Bank | UNSCREENED | 0.50% | no in-house ratios for this holding |
| AMZN AMAZON.COM INC | QUESTIONABLE | 0.49% | AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1% |
| DWS | UNSCREENED | 0.49% | no in-house ratios for this holding |
| Arroyo Mortgage Trust | UNSCREENED | 0.48% | no in-house ratios for this holding |
| HESS MIDSTREAM OPERATION | UNSCREENED | 0.47% | no in-house ratios for this holding |
| ROCC Trust | UNSCREENED | 0.47% | no in-house ratios for this holding |
| Government National Mortgage Association | NON_COMPLIANT | 0.47% | no in-house ratios for this holding |
| Sixth Street CLO LTD. | UNSCREENED | 0.47% | no in-house ratios for this holding |
| NYC Commercial Mortgage Trust | UNSCREENED | 0.47% | no in-house ratios for this holding |
| ILPT Commercial Mortgage Trust | UNSCREENED | 0.46% | no in-house ratios for this holding |
| SRE SEMPRA | NON_COMPLIANT | 0.46% | AAOIFI65.2% Usmani32.7% Dow Jones Islamic66.4% S&P Shariah71.2% MSCI Islamic31.6% MSCI Islamic M-Series71.2% FTSE Shariah30.4% |
| SYCA Commercial Mortgage Trust 2025-WAG | UNSCREENED | 0.46% | no in-house ratios for this holding |
| SYCA Commercial Mortgage Trust 2025-WAG | UNSCREENED | 0.46% | no in-house ratios for this holding |
| SLG Trust | UNSCREENED | 0.46% | no in-house ratios for this holding |
| SPACE EXPLORATION TECH | UNSCREENED | 0.45% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| Mexico Government International Bonds | UNSCREENED | 0.45% | no in-house ratios for this holding |
| CyrusOne Data Centers Issuer I LLC | UNSCREENED | 0.45% | no in-house ratios for this holding |
| Government National Mortgage Association | NON_COMPLIANT | 0.42% | no in-house ratios for this holding |
| SLG Office Trust | UNSCREENED | 0.41% | no in-house ratios for this holding |
| Government National Mortgage Association | NON_COMPLIANT | 0.41% | no in-house ratios for this holding |
| Captree Park CLO Ltd | UNSCREENED | 0.40% | no in-house ratios for this holding |
| The BAHA Trust | UNSCREENED | 0.40% | no in-house ratios for this holding |
| Hudson Yards | UNSCREENED | 0.39% | no in-house ratios for this holding |
| AMZN AMAZON.COM INC | QUESTIONABLE | 0.39% | AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1% |
| Fannie Mae | NON_COMPLIANT | 0.39% | no in-house ratios for this holding |
| SLG Office Trust | UNSCREENED | 0.38% | no in-house ratios for this holding |
| Freddie Mac | NON_COMPLIANT | 0.37% | no in-house ratios for this holding |
| US BANCORP | UNSCREENED | 0.37% | no in-house ratios for this holding |
| Woodward Capital Management | UNSCREENED | 0.37% | no in-house ratios for this holding |
| VISTRA OPERATIONS CO LLC | UNSCREENED | 0.36% | no in-house ratios for this holding |
| ACCENTURE CAPITAL INC | UNSCREENED | 0.36% | no in-house ratios for this holding |
| Race Point CLO Ltd | UNSCREENED | 0.36% | no in-house ratios for this holding |
| GENERAL MOTORS FINL CO | UNSCREENED | 0.36% | no in-house ratios for this holding |
| SYF SYNCHRONY FINANCIAL | NON_COMPLIANT | 0.35% | AAOIFI85.9% Usmani18.3% Dow Jones Islamic91.8% S&P Shariah104.8% MSCI Islamic18.3% MSCI Islamic M-Series104.8% FTSE Shariah18.3% |
| Foursight Capital Automobile Receivables Trust | UNSCREENED | 0.35% | no in-house ratios for this holding |
| HSBA.L HSBC HOLDINGS PLC | NON_COMPLIANT | 0.35% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| EQT EQT CORP | COMPLIANT | 0.35% | AAOIFI16.4% Usmani13.7% Dow Jones Islamic18.1% S&P Shariah21.8% MSCI Islamic13.7% MSCI Islamic M-Series21.8% FTSE Shariah13.7% |
| Government National Mortgage Association | NON_COMPLIANT | 0.35% | no in-house ratios for this holding |
| ISP.MI INTESA SANPAOLO SPA | NON_COMPLIANT | 0.35% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BANK OF NY MELLON CORP | UNSCREENED | 0.35% | no in-house ratios for this holding |
| FIRST CITIZENS BANCSHARE | UNSCREENED | 0.35% | no in-house ratios for this holding |
| GLENCORE FUNDING LLC | UNSCREENED | 0.35% | no in-house ratios for this holding |
| NRG NRG ENERGY INC | NON_COMPLIANT | 0.34% | AAOIFI85.9% Usmani53.8% Dow Jones Islamic81.4% S&P Shariah98.7% MSCI Islamic53.8% MSCI Islamic M-Series98.7% FTSE Shariah53.3% |
| MTN Commercial Mortgage Trust | UNSCREENED | 0.34% | no in-house ratios for this holding |
| 2222.SR SAUDI ARABIAN OIL CO | COMPLIANT | 0.34% | AAOIFI5.8% Usmani16.9% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic14.2% MSCI Islamic M-Seriespass FTSE Shariah14.2% |
| JBL JABIL INC | COMPLIANT | 0.34% | AAOIFI11.7% Usmani16.3% Dow Jones Islamic16.6% S&P Shariah18.9% MSCI Islamic16.3% MSCI Islamic M-Series18.9% FTSE Shariah14.2% |
| NVDA NVIDIA CORP | COMPLIANT | 0.34% | AAOIFI1.1% Usmani12.1% Dow Jones Islamic0.9% S&P Shariah1.1% MSCI Islamic12.1% MSCI Islamic M-Series1.1% FTSE Shariah10.4% |
| MAR MARRIOTT INTERNATIONAL | NON_COMPLIANT | 0.33% | AAOIFI1.6% Usmani4.8% Dow Jones Islamic1.7% S&P Shariah1.8% MSCI Islamic4.8% MSCI Islamic M-Series1.8% FTSE Shariah1.7% |
| BX Trust 2019-OC11 | UNSCREENED | 0.33% | no in-house ratios for this holding |
| SCHW CHARLES SCHWAB CORP | NON_COMPLIANT | 0.32% | AAOIFI14.6% Usmani5.3% Dow Jones Islamic18.7% S&P Shariah22.0% MSCI Islamic5.3% MSCI Islamic M-Series22.0% FTSE Shariah5.3% |
| PARA PARAMOUNT GLOBAL | NON_COMPLIANT | 0.32% | AAOIFI1.1% Usmani0.1% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.1% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| PYPL PAYPAL HOLDINGS INC | NON_COMPLIANT | 0.32% | AAOIFI22.1% Usmani12.5% Dow Jones Islamic16.3% S&P Shariah16.0% MSCI Islamic12.5% MSCI Islamic M-Series16.0% FTSE Shariah11.7% |
| VLO VALERO ENERGY CORP | COMPLIANT | 0.32% | AAOIFI10.3% Usmani14.1% Dow Jones Islamic17.0% S&P Shariah18.0% MSCI Islamic14.1% MSCI Islamic M-Series18.0% FTSE Shariah14.1% |
| FIRST CITIZENS BANCSHARE | UNSCREENED | 0.31% | no in-house ratios for this holding |
| The BAHA Trust | UNSCREENED | 0.31% | no in-house ratios for this holding |
| PYPL PAYPAL HOLDINGS INC | NON_COMPLIANT | 0.31% | AAOIFI22.1% Usmani12.5% Dow Jones Islamic16.3% S&P Shariah16.0% MSCI Islamic12.5% MSCI Islamic M-Series16.0% FTSE Shariah11.7% |
| BKNG BOOKING HOLDINGS INC | COMPLIANT | 0.31% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| BARC.L BARCLAYS PLC | NON_COMPLIANT | 0.31% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| ET ENERGY TRANSFER LP | NON_COMPLIANT | 0.31% | AAOIFI94.8% Usmani47.4% Dow Jones Islamic120.8% S&P Shariah134.5% MSCI Islamic47.4% MSCI Islamic M-Series134.5% FTSE Shariah46.2% |
| NATIONWIDE BLDG SOCIETY | UNSCREENED | 0.31% | no in-house ratios for this holding |
| PETROBRAS GLOBAL FINANCE | UNSCREENED | 0.31% | no in-house ratios for this holding |
| Avis Budget Rental Car Funding AESOP LLC | UNSCREENED | 0.31% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 0.30% | no in-house ratios for this holding |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.30% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| BAC BANK OF AMERICA CORP | NON_COMPLIANT | 0.30% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| EAGLE FUNDING LUXCO SARL | UNSCREENED | 0.29% | no in-house ratios for this holding |
| BAC BANK OF AMERICA CORP | NON_COMPLIANT | 0.28% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.28% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| RR Ltd | UNSCREENED | 0.28% | no in-house ratios for this holding |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.28% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| FORD MOTOR CREDIT CO LLC | UNSCREENED | 0.28% | no in-house ratios for this holding |
| LIBERTY UTILITIES CO | UNSCREENED | 0.27% | no in-house ratios for this holding |
| T.TO TELUS CORP | NON_COMPLIANT | 0.27% | AAOIFI160.4% Usmani52.8% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic52.8% MSCI Islamic M-Seriesfail FTSE Shariah52.8% |
| EXE EXPAND ENERGY CORP | COMPLIANT | 0.27% | AAOIFI22.5% Usmani17.3% Dow Jones Islamic22.5% S&P Shariah27.7% MSCI Islamic17.3% MSCI Islamic M-Series27.7% FTSE Shariah17.0% |
| BANQUE FED CRED MUTUEL | UNSCREENED | 0.27% | no in-house ratios for this holding |
| SCCO SOUTHERN COPPER CORP | COMPLIANT | 0.27% | AAOIFI4.9% Usmani35.7% Dow Jones Islamic8.2% S&P Shariah9.3% MSCI Islamic35.7% MSCI Islamic M-Series9.3% FTSE Shariah33.1% |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.27% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| EIX EDISON INTERNATIONAL | NON_COMPLIANT | 0.27% | AAOIFI189.8% Usmani43.9% Dow Jones Islamic173.1% S&P Shariah173.0% MSCI Islamic43.9% MSCI Islamic M-Series173.0% FTSE Shariah42.7% |
| EZPW EZCORP INC | NON_COMPLIANT | 0.27% | AAOIFI39.9% Usmani37.5% Dow Jones Islamic67.7% S&P Shariah81.3% MSCI Islamic37.4% MSCI Islamic M-Series81.3% FTSE Shariah24.0% |
| SYF SYNCHRONY FINANCIAL | NON_COMPLIANT | 0.27% | AAOIFI85.9% Usmani18.3% Dow Jones Islamic91.8% S&P Shariah104.8% MSCI Islamic18.3% MSCI Islamic M-Series104.8% FTSE Shariah18.3% |
| GLENCORE FUNDING LLC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| T AT&T INC | NON_COMPLIANT | 0.26% | AAOIFI92.9% Usmani38.0% Dow Jones Islamic94.4% S&P Shariah107.8% MSCI Islamic38.0% MSCI Islamic M-Series107.8% FTSE Shariah33.6% |
| MRVL MARVELL TECHNOLOGY INC | COMPLIANT | 0.26% | AAOIFI2.7% Usmani19.2% Dow Jones Islamic5.6% S&P Shariah6.5% MSCI Islamic19.2% MSCI Islamic M-Series6.5% FTSE Shariah18.0% |
| IRM IRON MOUNTAIN INC | NON_COMPLIANT | 0.26% | AAOIFI57.3% Usmani93.4% Dow Jones Islamic66.1% S&P Shariah73.7% MSCI Islamic90.9% MSCI Islamic M-Series73.7% FTSE Shariah79.0% |
| RIO GRANDE LNG LLC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| RIO GRANDE LNG LLC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| VRSN VERISIGN INC | COMPLIANT | 0.26% | AAOIFI0.0% Usmani0.3% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.3% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| HCA INC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| KNTK KINETIK HOLDINGS LP | NON_COMPLIANT | 0.26% | AAOIFI43.0% Usmani55.5% Dow Jones Islamic56.5% S&P Shariah62.5% MSCI Islamic55.5% MSCI Islamic M-Series62.5% FTSE Shariah54.8% |
| RGA GLOBAL FUNDING | UNSCREENED | 0.26% | no in-house ratios for this holding |
| TEVA PHARM FIN IV | UNSCREENED | 0.26% | no in-house ratios for this holding |
| VENTURE GLOBAL PLAQUE | UNSCREENED | 0.26% | no in-house ratios for this holding |
| RIO GRANDE LNG LLC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| REPSOL E&P CAP MARKETS | UNSCREENED | 0.26% | no in-house ratios for this holding |
| SUN SUNOCO LP | NON_COMPLIANT | 0.26% | AAOIFI104.9% Usmani51.6% Dow Jones Islamic133.3% S&P Shariah140.0% MSCI Islamic49.6% MSCI Islamic M-Series140.0% FTSE Shariah44.5% |
| SANTANDER HOLDINGS USA | UNSCREENED | 0.26% | no in-house ratios for this holding |
| MAPLE PARENT HLDS CO | UNSCREENED | 0.26% | no in-house ratios for this holding |
| JBS NV/USA FOODS/FOOD CO | UNSCREENED | 0.26% | no in-house ratios for this holding |
| AMZN AMAZON.COM INC | QUESTIONABLE | 0.26% | AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1% |
| RIO GRANDE LNG LLC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| Freddie Mac | NON_COMPLIANT | 0.26% | no in-house ratios for this holding |
| UBER UBER TECHNOLOGIES INC | COMPLIANT | 0.26% | AAOIFI9.5% Usmani22.4% Dow Jones Islamic8.9% S&P Shariah9.6% MSCI Islamic22.4% MSCI Islamic M-Series9.6% FTSE Shariah19.3% |
| FORD MOTOR CREDIT CO LLC | UNSCREENED | 0.25% | no in-house ratios for this holding |
| AVGO BROADCOM INC | COMPLIANT | 0.25% | AAOIFI3.8% Usmani32.5% Dow Jones Islamic4.4% S&P Shariah5.5% MSCI Islamic32.5% MSCI Islamic M-Series5.5% FTSE Shariah32.5% |
| JEF JEFFERIES FIN GROUP INC | NON_COMPLIANT | 0.25% | AAOIFI155.4% Usmani25.1% Dow Jones Islamic171.6% S&P Shariah188.8% MSCI Islamic25.1% MSCI Islamic M-Series188.8% FTSE Shariah25.1% |
| CHARTER COMM OPT LLC/CAP | UNSCREENED | 0.25% | no in-house ratios for this holding |
| C CITIGROUP INC | NON_COMPLIANT | 0.25% | AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8% |
| STELLANTIS FINANCIAL SER | UNSCREENED | 0.24% | no in-house ratios for this holding |
| NEXTERA ENERGY CAPITAL | UNSCREENED | 0.24% | no in-house ratios for this holding |
| SOPAIPILLA INVESTOR LLC | UNSCREENED | 0.24% | no in-house ratios for this holding |
| ADT SEC CORP | UNSCREENED | 0.24% | no in-house ratios for this holding |
| ACCENTURE CAPITAL INC | UNSCREENED | 0.24% | no in-house ratios for this holding |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.24% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| C CITIGROUP INC | NON_COMPLIANT | 0.24% | AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8% |
| Apidos CLO | UNSCREENED | 0.23% | no in-house ratios for this holding |
| Galaxy CLO Ltd | UNSCREENED | 0.23% | no in-house ratios for this holding |
| OCP CLO Ltd | UNSCREENED | 0.23% | no in-house ratios for this holding |
| Lewey Park CLO Ltd | UNSCREENED | 0.23% | no in-house ratios for this holding |
| DTE DTE ENERGY CO | NON_COMPLIANT | 0.23% | AAOIFI90.3% Usmani46.4% Dow Jones Islamic93.7% S&P Shariah101.8% MSCI Islamic46.4% MSCI Islamic M-Series101.8% FTSE Shariah45.9% |
| BNP.PA BNP PARIBAS | NON_COMPLIANT | 0.23% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| SWCH Commercial Mortgage Trust | UNSCREENED | 0.23% | no in-house ratios for this holding |
| CCL CARNIVAL CORP LTD | NON_COMPLIANT | 0.23% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| MTN Commercial Mortgage Trust | UNSCREENED | 0.23% | no in-house ratios for this holding |
| Switch ABS Issuer, LLC | UNSCREENED | 0.23% | no in-house ratios for this holding |
| ET ENERGY TRANSFER LP | NON_COMPLIANT | 0.23% | AAOIFI94.8% Usmani47.4% Dow Jones Islamic120.8% S&P Shariah134.5% MSCI Islamic47.4% MSCI Islamic M-Series134.5% FTSE Shariah46.2% |
| MEDLINE BORROWER/MEDL CO | UNSCREENED | 0.23% | no in-house ratios for this holding |
| NEXTERA ENERGY CAPITAL | UNSCREENED | 0.23% | no in-house ratios for this holding |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.23% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| CITADEL FINANCE LLC | UNSCREENED | 0.23% | no in-house ratios for this holding |
| RCL ROYAL CARIBBEAN CRUISES | NON_COMPLIANT | 0.23% | AAOIFI33.1% Usmani52.7% Dow Jones Islamic32.9% S&P Shariah40.4% MSCI Islamic52.7% MSCI Islamic M-Series40.4% FTSE Shariah51.2% |
| 8306.T MITSUBISHI UFJ FIN GRP | NON_COMPLIANT | 0.23% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BARC.L BARCLAYS PLC | NON_COMPLIANT | 0.23% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| PUBLIC SERVICE COLORADO | UNSCREENED | 0.23% | no in-house ratios for this holding |
| UNITED MEXICAN STATES | UNSCREENED | 0.23% | no in-house ratios for this holding |
| WH WYNDHAM HOTELS & RESORTS | NON_COMPLIANT | 0.23% | AAOIFI47.4% Usmani61.7% Dow Jones Islamic42.2% S&P Shariah43.4% MSCI Islamic61.7% MSCI Islamic M-Series43.4% FTSE Shariah61.7% |
| NSC NORFOLK SOUTHERN CORP | COMPLIANT | 0.22% | AAOIFI22.6% Usmani36.8% Dow Jones Islamic27.1% S&P Shariah29.0% MSCI Islamic36.8% MSCI Islamic M-Series29.0% FTSE Shariah36.8% |
| FISV FISERV INC | NON_COMPLIANT | 0.22% | AAOIFI99.4% Usmani34.6% Dow Jones Islamic38.9% S&P Shariah36.9% MSCI Islamic34.6% MSCI Islamic M-Series36.9% FTSE Shariah34.5% |
| ORA.PA ORANGE SA | NON_COMPLIANT | 0.22% | AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.22% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| D DOMINION ENERGY INC | NON_COMPLIANT | 0.22% | AAOIFI86.6% Usmani42.8% Dow Jones Islamic102.1% S&P Shariah112.1% MSCI Islamic42.3% MSCI Islamic M-Series112.1% FTSE Shariah41.7% |
| T AT&T INC | NON_COMPLIANT | 0.22% | AAOIFI92.9% Usmani38.0% Dow Jones Islamic94.4% S&P Shariah107.8% MSCI Islamic38.0% MSCI Islamic M-Series107.8% FTSE Shariah33.6% |
| BURLINGTN NORTH SANTA FE | UNSCREENED | 0.22% | no in-house ratios for this holding |
| VIRGINIA ELEC & POWER CO | UNSCREENED | 0.22% | no in-house ratios for this holding |
| Government National Mortgage Association | NON_COMPLIANT | 0.22% | no in-house ratios for this holding |
| CCO HLDGS LLC/CAP CORP | UNSCREENED | 0.22% | no in-house ratios for this holding |
| ET ENERGY TRANSFER LP | NON_COMPLIANT | 0.21% | AAOIFI94.8% Usmani47.4% Dow Jones Islamic120.8% S&P Shariah134.5% MSCI Islamic47.4% MSCI Islamic M-Series134.5% FTSE Shariah46.2% |
| AMZN AMAZON.COM INC | QUESTIONABLE | 0.21% | AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1% |
| ROCC Trust | UNSCREENED | 0.21% | no in-house ratios for this holding |
| JANE STREET GRP/JSG FIN | UNSCREENED | 0.21% | no in-house ratios for this holding |
| GFL GFL ENVIRONMENTAL INC | NON_COMPLIANT | 0.21% | AAOIFI29.3% Usmani38.5% Dow Jones Islamic34.1% S&P Shariah36.6% MSCI Islamic38.5% MSCI Islamic M-Series36.6% FTSE Shariah38.5% |
| AMERICAN HONDA FINANCE | UNSCREENED | 0.21% | no in-house ratios for this holding |
| TMUS T-MOBILE USA INC | NON_COMPLIANT | 0.21% | AAOIFI18.0% Usmani17.5% Dow Jones Islamic14.6% S&P Shariah15.9% MSCI Islamic16.5% MSCI Islamic M-Series15.9% FTSE Shariah2.9% |
| EQUINIX EU 2 FINANCING C | UNSCREENED | 0.21% | no in-house ratios for this holding |
| MTB M&T BANK CORPORATION | NON_COMPLIANT | 0.21% | AAOIFI52.5% Usmani8.3% Dow Jones Islamic59.6% S&P Shariah66.0% MSCI Islamic8.3% MSCI Islamic M-Series66.0% FTSE Shariah8.3% |
| BNP.PA BNP PARIBAS | NON_COMPLIANT | 0.21% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| ALLIANT HOLD / CO-ISSUER | UNSCREENED | 0.21% | no in-house ratios for this holding |
| Bourzou Issuer LLC, Jamshid Issuer LLC, Cristobal Issuer LLC & COPT DC-6 Issuer LLC | UNSCREENED | 0.21% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.21% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.21% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| EAI ENTERGY ARKANSAS LLC | NON_COMPLIANT | 0.21% | AAOIFI3580.9% Usmani41.8% Dow Jones Islamic— S&P Shariah— MSCI Islamic41.8% MSCI Islamic M-Series— FTSE Shariah41.8% |
| ENEL FINANCE INTL NV | UNSCREENED | 0.21% | no in-house ratios for this holding |
| CIFC Funding Ltd | UNSCREENED | 0.21% | no in-house ratios for this holding |
| ARES CLO Ltd | UNSCREENED | 0.20% | no in-house ratios for this holding |
| BENCHMARK Mortgage Trust | UNSCREENED | 0.20% | no in-house ratios for this holding |
| META META PLATFORMS INC | QUESTIONABLE | 0.20% | AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6% |
| JEF JEFFERIES FIN GROUP INC | NON_COMPLIANT | 0.20% | AAOIFI155.4% Usmani25.1% Dow Jones Islamic171.6% S&P Shariah188.8% MSCI Islamic25.1% MSCI Islamic M-Series188.8% FTSE Shariah25.1% |
| UNITED MEXICAN STATES | UNSCREENED | 0.19% | no in-house ratios for this holding |
| WFC WELLS FARGO & COMPANY | NON_COMPLIANT | 0.19% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| FLORIDA POWER & LIGHT CO | UNSCREENED | 0.19% | no in-house ratios for this holding |
| AERCAP IRELAND CAP/GLOBA | UNSCREENED | 0.19% | no in-house ratios for this holding |
| NVDA NVIDIA CORP | COMPLIANT | 0.19% | AAOIFI1.1% Usmani12.1% Dow Jones Islamic0.9% S&P Shariah1.1% MSCI Islamic12.1% MSCI Islamic M-Series1.1% FTSE Shariah10.4% |
| EXC EXELON CORP | NON_COMPLIANT | 0.19% | AAOIFI109.9% Usmani42.1% Dow Jones Islamic115.7% S&P Shariah124.5% MSCI Islamic42.1% MSCI Islamic M-Series124.5% FTSE Shariah42.1% |
| Avis Budget Rental Car Funding AESOP LLC | UNSCREENED | 0.19% | no in-house ratios for this holding |
| Freddie Mac | NON_COMPLIANT | 0.19% | no in-house ratios for this holding |
| PUGET ENERGY INC | UNSCREENED | 0.19% | no in-house ratios for this holding |
| BBVA MEX BANCA GRUPO TX | UNSCREENED | 0.19% | no in-house ratios for this holding |
| JP Morgan Mortgage Trust | UNSCREENED | 0.18% | no in-house ratios for this holding |
| NEXTERA ENERGY CAPITAL | UNSCREENED | 0.18% | no in-house ratios for this holding |
| NRG NRG ENERGY INC | NON_COMPLIANT | 0.18% | AAOIFI85.9% Usmani53.8% Dow Jones Islamic81.4% S&P Shariah98.7% MSCI Islamic53.8% MSCI Islamic M-Series98.7% FTSE Shariah53.3% |
| COF CAPITAL ONE FINANCIAL CO | NON_COMPLIANT | 0.18% | AAOIFI38.5% Usmani7.6% Dow Jones Islamic49.3% S&P Shariah60.5% MSCI Islamic7.6% MSCI Islamic M-Series60.5% FTSE Shariah7.6% |
| United States Treasury | NON_COMPLIANT | 0.18% | no in-house ratios for this holding |
| TMUS T-MOBILE USA INC | NON_COMPLIANT | 0.18% | AAOIFI18.0% Usmani17.5% Dow Jones Islamic14.6% S&P Shariah15.9% MSCI Islamic16.5% MSCI Islamic M-Series15.9% FTSE Shariah2.9% |
| Freddie Mac | NON_COMPLIANT | 0.18% | no in-house ratios for this holding |
| SOUTHWESTERN ELEC POWER | UNSCREENED | 0.17% | no in-house ratios for this holding |
| LVS LAS VEGAS SANDS CORP | NON_COMPLIANT | 0.17% | AAOIFI53.8% Usmani76.7% Dow Jones Islamic44.9% S&P Shariah45.0% MSCI Islamic76.7% MSCI Islamic M-Series45.0% FTSE Shariah76.7% |
| UNITED MEXICAN STATES | UNSCREENED | 0.17% | no in-house ratios for this holding |
| MBGL MOBILITY GLOBAL INC | NON_COMPLIANT | 0.17% | AAOIFI33.1% Usmani15.4% Dow Jones Islamic— S&P Shariah— MSCI Islamic15.4% MSCI Islamic M-Series— FTSE Shariah15.2% |
| GOOG ALPHABET INC | QUESTIONABLE | 0.17% | AAOIFI2.9% Usmani13.1% Dow Jones Islamic3.9% S&P Shariah4.5% MSCI Islamic12.8% MSCI Islamic M-Series4.5% FTSE Shariah10.9% |
| LLY ELI LILLY & CO | COMPLIANT | 0.17% | AAOIFI5.2% Usmani38.6% Dow Jones Islamic6.4% S&P Shariah6.9% MSCI Islamic38.6% MSCI Islamic M-Series6.9% FTSE Shariah38.6% |
| META META PLATFORMS INC | QUESTIONABLE | 0.17% | AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6% |
| DELL INT LLC / EMC CORP | UNSCREENED | 0.17% | no in-house ratios for this holding |
| BA BOEING CO/THE | NON_COMPLIANT | 0.17% | AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2% |
| SAN.MC BANCO SANTANDER SA | NON_COMPLIANT | 0.16% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| SUMITOMO MITSUI FINL GRP | UNSCREENED | 0.16% | no in-house ratios for this holding |
| STWD STARWOOD PROPERTY TRUST | NON_COMPLIANT | 0.16% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| CODELCO INC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| 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% |
| ENTERGY LOUISIANA LLC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| Towd Point Mortgage Trust | UNSCREENED | 0.15% | no in-house ratios for this holding |
| Chicago Board of Trade | UNSCREENED | 0.15% | no in-house ratios for this holding |
| Jersey Mikes Funding LLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| HSBA.L HSBC HOLDINGS PLC | NON_COMPLIANT | 0.15% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| COMMONWEALTH EDISON CO | UNSCREENED | 0.15% | no in-house ratios for this holding |
| MARS INC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| WESTERN MIDSTREAM OPERAT | UNSCREENED | 0.15% | no in-house ratios for this holding |
| RIO TINTO FIN USA PLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| AVGO BROADCOM INC | COMPLIANT | 0.15% | AAOIFI3.8% Usmani32.5% Dow Jones Islamic4.4% S&P Shariah5.5% MSCI Islamic32.5% MSCI Islamic M-Series5.5% FTSE Shariah32.5% |
| ROCC Trust | UNSCREENED | 0.15% | no in-house ratios for this holding |
| VOD.L VODAFONE GROUP PLC | NON_COMPLIANT | 0.14% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| NEXTERA ENERGY CAPITAL | UNSCREENED | 0.14% | no in-house ratios for this holding |
| DINO HF SINCLAIR CORP | COMPLIANT | 0.14% | AAOIFI16.9% Usmani17.1% Dow Jones Islamic34.7% S&P Shariah34.5% MSCI Islamic16.6% MSCI Islamic M-Series34.5% FTSE Shariah14.6% |
| NRG NRG ENERGY INC | NON_COMPLIANT | 0.14% | AAOIFI85.9% Usmani53.8% Dow Jones Islamic81.4% S&P Shariah98.7% MSCI Islamic53.8% MSCI Islamic M-Series98.7% FTSE Shariah53.3% |
The published standards disagree about this fund by 2 points of portfolio weight — 8.1% of it passes Usmani, 6.5% passes MSCI Islamic M-Series. 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 7.1% ratios fail on 16.7% 78.8% not rated under AAOIFI
ratios pass on 8.1% ratios fail on 13.5% 81.1% not rated under Usmani
ratios pass on 7.2% ratios fail on 15.8% 79.5% not rated under Dow Jones Islamic
ratios pass on 7.1% ratios fail on 15.8% 79.6% not rated under S&P Shariah
ratios pass on 7.2% ratios fail on 13.8% 81.6% not rated under MSCI Islamic
ratios pass on 6.5% ratios fail on 16.6% 79.5% not rated under MSCI Islamic M-Series
ratios pass on 8.0% ratios fail on 13.2% 81.4% not rated under FTSE Shariah
75 of 332 listed holdings carry our own per-methodology verdicts (25% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 63 (22% 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 | 3.88% |
| Fannie Mae | 2.79% |
| Fannie Mae | 2.23% |
| Fannie Mae | 1.88% |
| Freddie Mac | 1.77% |
| Fannie Mae | 1.37% |
| United States Treasury | 1.30% |
| United States Treasury | 1.26% |
| United States Treasury | 1.21% |
| Fannie Mae | 1.21% |
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
DWS Total Return Bond Fund (SZIAX) 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 |
|---|---|---|
| United States Treasurynot matched to a ticker | 3.88% | Non-compliant |
| Fannie Maenot matched to a ticker | 2.79% | Non-compliant |
| Fannie Maenot matched to a ticker | 2.23% | Non-compliant |
| Fannie Maenot matched to a ticker | 1.88% | Non-compliant |
| Freddie Macnot matched to a ticker | 1.77% | Non-compliant |
| GLS Auto Receivables Trustnot matched to a ticker | 1.40% | Not screened |
| Fannie Maenot matched to a ticker | 1.37% | Non-compliant |
| Servpro Master Issuer, LLCnot matched to a ticker | 1.35% | Not screened |
| United States Treasurynot matched to a ticker | 1.30% | Non-compliant |
| United States Treasurynot matched to a ticker | 1.26% | Non-compliant |
Top 10 of 332 holdings, 19.2% 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 SZIAX. 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) | 42.70 | NEUTRAL |
| Stochastic %K (14) | 77.78 | NEUTRAL |
| CCI (20) | -5.96 | NEUTRAL |
| Williams %R (14) | -22.22 | NEUTRAL |
| MACD (12,26,9) | 0.01 | BUY |
| ROC (10) | 0.68 | BUY |
| Momentum (10) | 0.06 | BUY |
| EMA (10) | 8.82 | BUY |
| SMA (10) | 8.81 | BUY |
| EMA (20) | 8.85 | SELL |
| SMA (20) | 8.85 | SELL |
| EMA (30) | 8.88 | SELL |
| SMA (30) | 8.90 | SELL |
| EMA (50) | 8.93 | SELL |
| SMA (50) | 8.97 | SELL |
| EMA (100) | 9.00 | SELL |
| SMA (100) | 9.04 | SELL |
| EMA (200) | 9.06 | SELL |
| SMA (200) | 9.09 | SELL |
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.