Personofolio

Start here: what you actually own

A share is a slice of a real business. Its price moves for two reasons: the business's results change (earnings), or people's feelings about its future change (sentiment). Short-term moves are mostly feelings; long-term moves are mostly earnings. This app's job is to keep you focused on the second one.

Tap any underlined word in the app — like P/E, drift or TRIM — for a plain-English explanation.

Index funds are your foundation — you were right

Your Fidelity 500 fund holds ~500 companies at once. If it falls hard, the whole market fell — that's not a concentration mistake, it's just markets being markets. This app now treats broad index funds as a CORE holding and will never scold you for having a big one.

The professional pattern is core & satellite: a broad index fund as the boring, reliable core (often 50–80%), with a handful of individual stocks you believe in as satellites around it. Your tech convictions are the satellites.

Diversifying without abandoning tech

Owning five tech platform giants isn't five bets — it's one bet (on tech spending) made five times. Real diversification means owning businesses whose customers differ: a payments network, a surgical-robot maker, a precision-agriculture manufacturer, a grid-and-renewables utility. They all live or die by technology — your thesis — but they get paid by different parts of the economy. That's the entire design of the Ideas tab.

How to read the recommendations

The model score (0–100) grades a stock's current fundamentals: valuation, growth, quality, momentum and analyst consensus. Above ~58 the model likes it; below ~42 it doesn't.

ADD / TRIM are about your portfolio, not the stock's quality: they fire when a position drifts away from the target weight you set. A great stock can still say TRIM — that means "this position grew beyond the size you chose for it; consider taking some profit."

REVIEW just means the app is missing a price and refuses to guess. Never act on a REVIEW row — fix the data first.

The two habits that beat most investors

1. Dollar-cost averaging: invest a fixed amount on a schedule, regardless of headlines. It removes the worst investor in the room — your timing instincts.

2. Rebalancing: once or twice a year, follow the ADD/TRIM list to pull positions back to their targets. It quietly forces you to sell high and buy low, which is the entire game.

What this app can't know

The model reads numbers: filings, prices, analyst counts. It cannot read a courtroom, a product launch or a war. When a score surprises you, the factor breakdown shows exactly which number caused it — read that before acting, and check the news for the story behind the number.