Overview Pro
Your daily briefing: where you stand and what needs attention.
This is the first screen to check each day. It pulls together the market's current mood, how your own portfolio is doing, and anything that needs a decision — so you don't have to dig through every tab to know if today is a "do nothing" day or a "something changed" day.
How to read it
- Market regime
- A one-word read on the overall market — roughly, is the trend healthy or defensive. It sets the tone: a defensive regime is a cue to be more cautious with new buys, not a signal to panic-sell.
- Liquidity gauge
- Whether the amount of money sloshing through the financial system is expanding or contracting. Expanding conditions have historically been a tailwind for risk assets; contracting is a headwind. Treat it as background weather, not a timing signal.
- Attention items / signals
- Specific things about your holdings — a stop level approached, a big move, a position that has grown oversized. These are the lines worth acting on.
What to do: Skim it once a day. If nothing is flagged, you're done — that's the point. Use Refresh analysis only when you want the very latest read (it can use a few credits); the page already updates on its own each day.
Portfolio Free
Everything you own, what it cost, and how it's doing.
This is your book of record. Enter what you actually hold and the rest of the dashboard — picks sizing, risk, projections — becomes personal to you instead of generic.
Recording what you own
- Record a trade: enter a ticker, the number of shares, and the price you paid (or sold at), then Buy or Sell. Do this for each holding once and keep it updated as you trade.
- Cash: set or top up your uninvested cash balance. The buy planner and value chart both use it, so keep it roughly accurate.
How to read it
- Cost basis
- The average price you paid for a position — your break-even line.
- Market value
- What the position is worth right now at the latest price.
- Unrealised P&L
- Profit or loss you're sitting on but haven't locked in by selling. Green is a gain, red is a loss.
- Value over time
- Your total portfolio value tracked day by day. The shape matters more than any single dot — you're looking for the trend, not the wiggles.
What to do: Keep it honest and current. A price that looks mistyped will be flagged before it's saved. The numbers everywhere else are only as good as what you enter here.
Picks Pro
A ranked shortlist, and a concrete plan for cash you want to invest.
Picks answers "of everything the system tracks, what's trending best right now?" and then, "given the cash I have, what would I actually buy?"
The buy planner
Enter the cash you have available (or hit Use my cash) and press Build buy plan. You get a specific list — which assets and how many shares — sized against what you already own and capped so no single position gets too large. It's instant and rule-based.
The ✨ Ask AI what to add button goes further: it weighs the plan against your current holdings and can tell you to hold cash instead. That one uses a few credits.
How to read the ranking
- Rank order
- Top of the list = strongest current trend and momentum for the market's mood. It is a "what's working now" list, not a "what's cheap" or "what's safe" list.
- Position cap
- The plan won't pile everything into one name — it spreads across the top candidates so a single bad call can't sink you.
Ranked high ≠ guaranteed to go up. Momentum lists change as the market changes, and they can turn quickly. Size sensibly and use the Risk tab before committing.
Research Pro
A verdict on any ticker, judged against your actual portfolio.
Type in a ticker and the AI gives you a structured read on it — and crucially, it does so in the context of what you already hold, so it can tell you when something would just double-up on risk you already have.
How to read the verdict
- Look for the reasoning, not just the headline call. The "why" is what helps you decide; the one-word verdict is a summary of it.
- Note how it relates the ticker to your holdings — overlap, concentration, or genuine diversification.
Each analysis costs a few credits. AI can be wrong or out of date — treat it as a well-read second opinion to verify, never as instructions. It is not financial advice.
Custom Pro
Design your own target mix, then test it before you commit real money.
Instead of accepting the system's picks wholesale, here you set how much you want in each type of exposure (the "sleeves"). The system then fills each sleeve with its best-trending fund, and you can backtest the whole design and get an AI review.
How to build one
- Set a target percentage for each sleeve. The bar at the bottom shows how much you've allocated — aim for 100%.
- Press Build & save portfolio. The system resolves each sleeve to an actual fund.
- Review the backtest and, if you like, an AI critique.
How to read the backtest
- Return (CAGR)
- The steady yearly growth rate the mix would have delivered historically. Higher is better — but always read it next to the drawdown.
- Volatility
- How bumpy the ride was. Higher means bigger swings both ways.
- Max drawdown
- The worst peak-to-trough fall it ever suffered. This is the "could I stomach this?" number — if it's bigger than you could hold through, dial back risk.
Backtests benefit from hindsight and are hypothetical. A mix that looks perfect on history won't repeat it exactly. Use it to compare designs, not to predict returns.
Risk Pro
How today's holdings would react to tomorrow's shocks — and what secretly moves together.
Where a backtest looks backward, this looks forward: it estimates how your current portfolio would move if a specific thing happened — oil spikes, the dollar surges, rates jump — and reveals hidden links between holdings you thought were unrelated.
How to read it
- Scenario impact
- The estimated hit (or boost) to your portfolio if a chosen shock occurred. A big negative number means you're heavily exposed to that factor.
- Hidden correlations
- Holdings that tend to fall together in a selloff. Two names that "move as one" aren't really diversifying you — they're one bet wearing two hats.
- Custom scenario
- Dial a factor yourself (e.g. "what if rates jump?") to see your specific exposure to the thing you're worried about.
What to do: If one factor or one hidden cluster dominates your risk, that's your cue to diversify away from it. Press Recalculate after you change holdings so the picture stays current.
Plan Pro
Project your future wealth as a realistic range — not a single fantasy number.
Most calculators ask you to guess a return and then draw one smooth line. This one is different in two ways that matter: the growth assumptions come from your portfolio's real backtested behaviour, and it shows a range of outcomes because markets are uncertain. It also stress-tests the plan against a crash.
Setting it up
- Starting amount — what you're beginning with (it pre-fills from your portfolio value).
- Monthly contribution — what you'll keep adding.
- Annual withdrawal — set this if you plan to draw an income from it; leave it at 0 while you're still building.
- Years — your time horizon.
- Growth based on — choose your own portfolio, the system strategy, a saved custom mix, or type your own assumptions. The line under it shows the exact return and volatility being used.
How to read the results
- Most likely (median)
- The middle outcome — half of simulated futures did better, half worse. This is your realistic anchor, not the best case.
- Likely range (10th–90th percentile)
- Where most outcomes landed. The low end is a "rough patch" future; the high end is a "things went well" future. Plan around the low end, enjoy the high end.
- The fan chart
- The shaded band is that range widening over time; the line down the middle is the median. Wider band = more uncertainty the further out you look.
- Money lasts (if withdrawing)
- The share of simulated futures in which your money doesn't run out over the horizon. Below ~80%? Your withdrawal is likely too high.
- Sustainable withdrawal
- A suggested annual draw your plan can more comfortably support — a starting point for "how much can I safely live on?"
- Resilience / crash test
- What a crash as deep as your portfolio's worst historical fall would do if it hit mid-plan. It's there so the number you're counting on isn't a fair-weather figure.
This is a range of possibilities, not a promise. Real returns will differ from any simulation. Revisit it as your holdings and contributions change.
Watchlist Pro
Track candidates you don't own yet, and get told when a level is hit.
Keep an eye on names you're considering without cluttering your portfolio, and set price alerts so you don't have to watch the screen all day.
Setting an alert
- Rises above / Falls below — fires when the price crosses a level you set. Good for "tell me if it gets cheap enough" or "tell me if it breaks out".
- Crosses 200-day average — fires on a longer-term trend change, a classic line between an uptrend and a downtrend.
How to read it
- Armed alerts
- Alerts that are live and waiting. They watch for you in the background.
- Recently triggered
- Alerts that have fired. Each one is a prompt to look — not an instruction to trade. If you've turned on the daily email, these can reach your inbox too.
Settings Free
Your plan, credits, notifications and account.
- Plan
- Free vs Pro. Pro unlocks the Overview, Picks, Research, Custom, Risk, Plan and Watchlist tabs. Manage or cancel your subscription here.
- Credits
- Only the AI features (AI research, "ask AI what to add", AI reviews) use credits. Rule-based tools — buy plans, backtests, risk, projections — do not. Your monthly allowance and usage show here.
- Daily email
- An optional once-a-day summary and any triggered alerts, sent to your inbox. Turn it on if you'd rather be told than have to log in.
Quick glossary
- CAGR (return)
- The smooth yearly growth rate that gets you from start to end value. A way to compare mixes on one number.
- Volatility
- How much the value bounces around. High volatility = a rougher ride, not necessarily worse returns.
- Drawdown
- How far something fell from its peak. Max drawdown is the worst such fall — the real test of whether you can hold on.
- Median
- The middle outcome. Half of scenarios do better, half worse. More honest than an average when outcomes are lopsided.
- Percentile (10th / 90th)
- A way to describe a range: the 10th percentile is a poor-luck outcome, the 90th a good-luck one. Most futures land between them.
- Regime
- The market's current character — healthy trend vs defensive. It shifts how aggressive it makes sense to be.
- Correlation
- How closely two holdings move together. High correlation means they don't really diversify each other.
- Position cap
- A ceiling on how big any single holding can get, so one bad call can't dominate your outcome.