Monterey Finance merges data-driven factor models with rigorous Shariah screening to compound wealth without compromise.
Many investors see a conflict between high returns and Shariah compliance. Conventional financial products rely on interest (Riba) or opaque fees. Meanwhile, traditional Halal funds often lack advanced technology and suffer from heavy sector risk.
Equities represent real assets. Stocks are fractional ownership of actual businesses, not zero-sum gambling (Maysir).
Capital must stay active. Holding idle cash loses value to inflation and Zakat. Capital must flow into real economic growth.
Technology ensures compliance. No manual screening. We use automated algorithms to enforce strict debt limits & dividend cleansing.
We believe in full transparency. Below is the real-time performance of our quantitative Shariah-compliant fund strategies compared against global market benchmarks.
Monterey Finance operates as a quantitative fund and an open research lab. We do not use proprietary black boxes. We test our strategies on historical data and publish our findings as open-access papers.
An Exploratory Backtest of 12–1 Relative Strength and a 200-Day SMA Overlay, 2019–2024
An Exploratory Backtest of Upside Participation versus Downside Capture under AAOIFI Screens, 2020–2025
An Exploratory Backtest of Halal Earnings Surprise, 2020–2025
Explore how our investment models select assets, manage risk, and maintain Shariah compliance at every trade.
Our automated screener ingests daily balance sheet data. It applies AAOIFI debt and liquidity ratio thresholds without historical lookahead or survivorship bias.
Our models rank assets using four primary factors: Value, Momentum, Quality, and Low Volatility.
Excluding conventional banks and high-debt firms creates heavy tech sector concentration. Our risk algorithms rebalance factor weights to reduce systemic volatility.
Non-compliant business revenue (<5%) is calculated down to the specific payout date. Cleansing schedules are fully automated for tax and reporting efficiency.
