Verdicts genuinely change. Free email alert the moment TGCIX'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.
Timothy Plan Growth & Income Fund · TIMOTHY PLAN
100 holdings
NON-COMPLIANT At least 32.74% of portfolio weight is in non-compliant holdings — already over the 5% threshold, so the verdict is settled whatever the unmatched 65% turns out to be. Matching more holdings can only raise this share, never lower it.
27.78% 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.
100 holdings, 83 matched (34% of weight). Portfolio as of 2026-06-30, filed 2026-08-26. Source: SEC Form N-PORT.
0.29% of this portfolio’s income is non-permissible — weighted across holdings, computed over 4% of portfolio weight (11 of 100 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 |
|---|---|---|---|
| TIMOTHY PLAN (THE) | UNSCREENED | 56.55% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 3.68% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 3.53% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 2.24% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 1.43% | no in-house ratios for this holding |
| ISRAEL, STATE OF - MINISTRY OF FINANCE | UNSCREENED | 1.07% | no in-house ratios for this holding |
| JOHN DEERE OWNER TRUST 2025 | UNSCREENED | 0.94% | no in-house ratios for this holding |
| FIDELITY COLCHESTER STREET TRUST | UNSCREENED | 0.82% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.74% | no in-house ratios for this holding |
| KUBOTA CREDIT OWNER TRUST 2025-2 | UNSCREENED | 0.71% | no in-house ratios for this holding |
| AEP AMERICAN ELECTRIC POWER COMPANY INC | NON_COMPLIANT | 0.70% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| NI NISOURCE INC | NON_COMPLIANT | 0.68% | AAOIFI82.1% Usmani43.4% Dow Jones Islamic85.6% S&P Shariah99.5% MSCI Islamic43.4% MSCI Islamic M-Series99.5% FTSE Shariah43.4% |
| CSX CSX CORP | COMPLIANT | 0.68% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.66% | no in-house ratios for this holding |
| COLUMBIA PIPELINES OPERATING CO LLC | UNSCREENED | 0.65% | no in-house ratios for this holding |
| ET ENERGY TRANSFER LP | NON_COMPLIANT | 0.63% | AAOIFI94.8% Usmani47.4% Dow Jones Islamic120.8% S&P Shariah134.5% MSCI Islamic47.4% MSCI Islamic M-Series134.5% FTSE Shariah46.2% |
| Federal National Mortgage Association | NON_COMPLIANT | 0.63% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.63% | no in-house ratios for this holding |
| COLUMBIA PIPELINES HOLDING CO LLC | UNSCREENED | 0.62% | no in-house ratios for this holding |
| HEALTHPEAK OP LLC | UNSCREENED | 0.61% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.59% | no in-house ratios for this holding |
| TSCO TRACTOR SUPPLY COMPANY | NON_COMPLIANT | 0.58% | AAOIFI35.6% Usmani53.8% Dow Jones Islamic25.1% S&P Shariah25.5% MSCI Islamic53.4% MSCI Islamic M-Series25.5% FTSE Shariah17.7% |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.53% | no in-house ratios for this holding |
| DG DOLLAR GENERAL CORP | NON_COMPLIANT | 0.49% | AAOIFI55.9% Usmani49.0% Dow Jones Islamic69.2% S&P Shariah65.1% MSCI Islamic49.0% MSCI Islamic M-Series65.1% FTSE Shariah14.2% |
| DLR DIGITAL REALTY TRUST LP | COMPLIANT | 0.49% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.49% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.46% | no in-house ratios for this holding |
| BHP BILLITON FINANCE (USA) LTD | UNSCREENED | 0.46% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| CNH EQUIPMENT TRUST 2025-A | UNSCREENED | 0.45% | no in-house ratios for this holding |
| NTR NUTRIEN LTD | NON_COMPLIANT | 0.45% | AAOIFI18.8% Usmani18.9% Dow Jones Islamic29.7% S&P Shariah31.2% MSCI Islamic18.9% MSCI Islamic M-Series31.2% FTSE Shariah18.9% |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.44% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.42% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.41% | no in-house ratios for this holding |
| BHP BILLITON FINANCE (USA) LTD | UNSCREENED | 0.40% | no in-house ratios for this holding |
| Federal National Mortgage Association | NON_COMPLIANT | 0.40% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.40% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.39% | no in-house ratios for this holding |
| Federal National Mortgage Association | NON_COMPLIANT | 0.39% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.39% | no in-house ratios for this holding |
| CNH EQUIPMENT TRUST | UNSCREENED | 0.39% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.38% | no in-house ratios for this holding |
| ENTERPRISE PRODUCTS OPERATING LLC | UNSCREENED | 0.38% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.38% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.38% | no in-house ratios for this holding |
| ET ENERGY TRANSFER LP | NON_COMPLIANT | 0.38% | AAOIFI94.8% Usmani47.4% Dow Jones Islamic120.8% S&P Shariah134.5% MSCI Islamic47.4% MSCI Islamic M-Series134.5% FTSE Shariah46.2% |
| RIO TINTO FINANCE (USA) PLC | UNSCREENED | 0.37% | no in-house ratios for this holding |
| RIO TINTO FINANCE (USA) PLC | UNSCREENED | 0.37% | no in-house ratios for this holding |
| NATIONAL RURAL UTILITIES COOPERATIVE FINANCE CORP | UNSCREENED | 0.37% | no in-house ratios for this holding |
| AMT AMERICAN TOWER CORP | NON_COMPLIANT | 0.37% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.37% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.37% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.35% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.32% | no in-house ratios for this holding |
| NTR NUTRIEN LTD | NON_COMPLIANT | 0.30% | AAOIFI18.8% Usmani18.9% Dow Jones Islamic29.7% S&P Shariah31.2% MSCI Islamic18.9% MSCI Islamic M-Series31.2% FTSE Shariah18.9% |
| CBOE CBOE GLOBAL MARKETS INC | NON_COMPLIANT | 0.29% | AAOIFI4.9% Usmani14.9% Dow Jones Islamic6.2% S&P Shariah6.8% MSCI Islamic14.9% MSCI Islamic M-Series6.8% FTSE Shariah13.6% |
| Government National Mortgage Association | NON_COMPLIANT | 0.29% | no in-house ratios for this holding |
| JOHN DEERE CAPITAL CORP | UNSCREENED | 0.28% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.27% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.27% | no in-house ratios for this holding |
| WM WASTE MANAGEMENT INC | COMPLIANT | 0.26% | AAOIFI25.8% Usmani50.3% Dow Jones Islamic26.5% S&P Shariah27.9% MSCI Islamic50.3% MSCI Islamic M-Series27.9% FTSE Shariah50.3% |
| Federal National Mortgage Association | NON_COMPLIANT | 0.26% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.24% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.23% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.22% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.22% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.21% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.19% | no in-house ratios for this holding |
| RSG REPUBLIC SERVICES INC | COMPLIANT | 0.18% | AAOIFI21.1% Usmani40.7% Dow Jones Islamic21.0% S&P Shariah22.6% MSCI Islamic40.7% MSCI Islamic M-Series22.6% FTSE Shariah40.0% |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.18% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.18% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.17% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.17% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.16% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.16% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.14% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.14% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.11% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | 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 |
| Federal National Mortgage Association | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| EXR EXTRA SPACE STORAGE LP | NON_COMPLIANT | 0.10% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.08% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.08% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.05% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.04% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.03% | no in-house ratios for this holding |
The published standards disagree about this fund by 1 points of portfolio weight — 2.1% of it passes Dow Jones Islamic, 0.7% passes Usmani. 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 1.5% ratios fail on 3.5% 94.9% not rated under AAOIFI
ratios pass on 0.7% ratios fail on 3.9% 95.1% not rated under Usmani
ratios pass on 2.1% ratios fail on 2.9% 94.9% not rated under Dow Jones Islamic
ratios pass on 2.1% ratios fail on 2.9% 94.9% not rated under S&P Shariah
ratios pass on 0.7% ratios fail on 3.9% 95.1% not rated under MSCI Islamic
ratios pass on 2.1% ratios fail on 2.9% 94.9% not rated under MSCI Islamic M-Series
ratios pass on 1.8% ratios fail on 2.8% 95.1% not rated under FTSE Shariah
13 of 100 listed holdings carry our own per-methodology verdicts (7% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 10 (5% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.
| Non-compliant holding | Weight |
|---|---|
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 3.68% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 3.53% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 2.24% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 1.43% |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | 0.74% |
| AEP AMERICAN ELECTRIC POWER COMPANY INC | 0.70% |
| NI NISOURCE INC | 0.68% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 0.66% |
| ET ENERGY TRANSFER LP | 0.63% |
| Federal National Mortgage Association | 0.63% |
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
Timothy Plan Growth & Income Fund (TGCIX) 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 |
|---|---|---|
| TIMOTHY PLAN (THE)not matched to a ticker | 56.55% | Not screened |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBTnot matched to a ticker | 3.68% | Non-compliant |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBTnot matched to a ticker | 3.53% | Non-compliant |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBTnot matched to a ticker | 2.24% | Non-compliant |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBTnot matched to a ticker | 1.43% | Non-compliant |
| ISRAEL, STATE OF - MINISTRY OF FINANCEnot matched to a ticker | 1.07% | Not screened |
| JOHN DEERE OWNER TRUST 2025not matched to a ticker | 0.94% | Not screened |
| FIDELITY COLCHESTER STREET TRUSTnot matched to a ticker | 0.82% | Not screened |
| FEDERAL NATIONAL MORTGAGE ASSOCIATIONnot matched to a ticker | 0.74% | Non-compliant |
| KUBOTA CREDIT OWNER TRUST 2025-2not matched to a ticker | 0.71% | Not screened |
Top 10 of 100 holdings, 71.7% 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 TGCIX. 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) | 46.70 | NEUTRAL |
| Stochastic %K (14) | 84.88 | SELL |
| CCI (20) | 18.19 | NEUTRAL |
| Williams %R (14) | -15.12 | SELL |
| MACD (12,26,9) | 0.02 | BUY |
| ROC (10) | 0.79 | BUY |
| Momentum (10) | 0.08 | BUY |
| EMA (10) | 10.66 | BUY |
| SMA (10) | 10.62 | BUY |
| EMA (20) | 10.71 | BUY |
| SMA (20) | 10.70 | BUY |
| EMA (30) | 10.77 | SELL |
| SMA (30) | 10.80 | SELL |
| EMA (50) | 10.84 | SELL |
| SMA (50) | 10.92 | SELL |
| EMA (100) | 10.88 | SELL |
| SMA (100) | 10.94 | SELL |
| EMA (200) | 10.82 | SELL |
| SMA (200) | 10.89 | 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.