Portfolio · your portfolio page · Sample Beginner Intermediate Professional
€10,000 Your money · only you +5% This year Real Paper
How it went Your money grew 5% this year, after what you put in and took out. 1M YTD 1Y All What you own A world ETF A fund: many companies at once 45% +18% A euro bond fund Moves less, for calm 20% +2% One company One company: swings more 20% +30% Cash Not invested yet 15%
€10,000 Net value · only you +5% Return YTD +8% Since start Real Paper
MTD +1% · Costs YTD 0.2% 1M YTD 1Y All Holdings Transactions × A world ETF World ETF 45% +18% A euro bond fund Euro bonds 20% +2% One company One company 20% +30% Cash Cash 15%
Miscellaneous Fees Dividends Decisions × The top bar · Beginner
Beginner level What it is Beginner: only the portfolio. How it went this year in one line and one sentence, and what you own in plain words. No rail, no tools.
Connected on this page How it went What you own
How to use it Start here: read the sentence under How it went, then what each holding is. Nothing is locked at any level; switch whenever you like.
How to read it A level is how much the page shows, never a gate: the same money, the same numbers, more or fewer parts.
The numbers bar · Beginner
Your money What it is What the whole portfolio is worth today, in euros. It is the one amount on the page, marked “only you”: nobody else ever sees your amounts, only percentages.
Connected on this page What you own Real or Paper
How to use it It sits first in the numbers bar. Everything else on the page is a percentage, so it reads the same at any size.
How to read it It depends. It rises with prices and with new money: read it with the return numbers. A higher value from deposits is saving, not investing.
The numbers bar · Beginner
This year What it is How much the portfolio grew this year, in percent, after what you put in and took out.
+5% This year
+1% This month
Connected on this page How it went
How to use it Read it with How it went under it: the line shows how the year got there.
How to read it Higher is better. It is the return of your choices alone, with deposits and withdrawals taken out. It is the fair way to compare yourself with an index or a fund over the same dates.
The numbers bar · Beginner
Real or Paper What it is One switch: Real shows your own trades, Paper the same page on €10,000 of practice money. This map is drawn on Real.
Connected on this page Your money
How to use it In Paper the numbers bar shows Paper value, Since start and Cash, and the rail gets Buy and Activity first. An empty portfolio opens in Paper by itself.
How to read it Paper numbers are practice: orders fill at yesterday’s closing prices and never touch real money.
The big card · Beginner
How it went What it is This year’s line, and one plain sentence under the title: your money grew 5% this year, after what you put in and took out.
+5% This year
-2% Lowest point
Connected on this page Beginner level This year What you own
How to use it Switch the range under it: 1M, YTD, 1Y or All. The line is in percent, never amounts.
How to read it It depends. Lower means a smoother ride. It is not good or bad on its own: it is the price of chasing return. It counts big rises as swings too.
Beside the chart · Beginner
What you own What it is Every holding in plain words: what kind of thing it is, its share of the whole and its gain since it was bought.
4 Holdings
45% Largest share
Connected on this page Beginner level Your money How it went
How to use it Read the plain line under each name first: a fund is many companies at once, one company swings more.
How to read it It depends. Lower is usually safer, but it depends on what the holding is. 60% in one world index fund is spread over thousands of companies.
The top bar · Professional
Professional level What it is Professional: the full chart across the page, every tool in the rail, then Upcoming and Tax year check. Holdings and transactions is open when you arrive.
Connected on this page Chart Holdings and transactions
How to use it The chart carries its own figures. Every tool opens in the column beside it; its icon or Esc closes it.
How to read it A level is how much the page shows, never a gate: the same money, the same numbers, more or fewer parts.
The numbers bar · Professional
Net value What it is What the whole portfolio is worth today, in euros. It is the one amount on the page, marked “only you”: nobody else ever sees your amounts, only percentages.
Connected on this page Cash Real or Paper Holdings and transactions Upcoming
How to use it It sits first in the numbers bar. Everything else on the page is a percentage, so it reads the same at any size.
How to read it It depends. It rises with prices and with new money: read it with the return numbers. A higher value from deposits is saving, not investing.
The numbers bar · Professional
Return YTD What it is How much the portfolio grew this year, in percent, after what you put in and took out.
+5% This year
+1% This month
Connected on this page Chart
How to use it Read it with the chart: the line shows how the year got there, day by day.
How to read it Higher is better. It is the return of your choices alone, with deposits and withdrawals taken out. It is the fair way to compare yourself with an index or a fund over the same dates.
The numbers bar · Professional
Since start What it is How much the portfolio has grown since its first trade, in percent.
+8% Since start
+5% This year
Connected on this page Chart Holdings and transactions
How to use it Read it with the chart on All: the line shows how the +8% was reached.
How to read it Higher is better. It is the return of your choices alone, with deposits and withdrawals taken out. It is the fair way to compare yourself with an index or a fund over the same dates.
The numbers bar · Professional
Real or Paper What it is One switch: Real shows your own trades, Paper the same page on €10,000 of practice money. This map is drawn on Real.
Connected on this page Net value Holdings and transactions
How to use it In Paper the numbers bar shows Paper value, Since start and Cash, and the rail gets Buy and Activity first. An empty portfolio opens in Paper by itself.
How to read it Paper numbers are practice: orders fill at yesterday’s closing prices and never touch real money.
The big card · Professional
Chart What it is The portfolio’s return over time as one line, in percent, with MTD and Costs YTD in the line above it.
+1% MTD
0.2% Costs YTD
-2% Lowest point
Connected on this page Professional level Return YTD Since start Holdings and transactions Fees Allocation Discover Lab
How to use it Switch the range under it: 1M, YTD, 1Y or All. Buys and sells show as dots on their day. On Professional it takes the full width.
How to read it It depends. Lower means a smoother ride. It is not good or bad on its own: it is the price of chasing return. It counts big rises as swings too.
The rail, open when you arrive · Professional
Holdings and transactions What it is The first item in the rail, open when you arrive: one item with a switch, Holdings (what you own today, each with its share and gain) and Transactions (every buy, sell, dividend, deposit and fee).
4 Holdings
4 Trades this year
Connected on this page Professional level Since start Real or Paper Chart Net value A world ETF A euro bond fund One company Cash Tax year check Dividends Decisions
How to use it Press + to add a trade, import a statement or connect a broker. Every number on the page is worked out from Transactions.
How to read it When a number on the page looks wrong, the cause is in Transactions.
The rail · Professional
Allocation What it is Where the money sits: Risk and Diversification in a word, your shape on six sides, and your mix by asset type, holding or currency.
Moderate Risk
Fair Diversification
20% Largest single company
Connected on this page One company Chart
How to use it Open it from the rail: it takes the column where Holdings is now. Tap a part inside it for its bigger view.
How to read it It depends. A world fund holds thousands of companies, so 45% in it is spread far wider than 20% in one company.
The rail · Professional
Discover What it is Other portfolios, opened right here: picking one switches this page to theirs, in percentages only. “Your portfolio” brings yours back.
Connected on this page Chart
How to use it Search by name, open one, and compare their mix and their line with yours.
How to read it Famous investors’ filings show the top positions only, a few weeks late, with no cash or bonds. Read them to learn a shape, never to copy a trade.
The rail · Professional
World What it is Where your money sits, country by country and region by region, and the way to World: economies, markets and this week’s releases.
Connected on this page A world ETF One company A euro bond fund
How to use it Open it from the rail; “Open World” goes to the full page.
How to read it A world fund counts by the regions on its factsheet, a company by where it is listed.
The rail · Professional
Lab What it is Questions asked on real market prices, such as “What if it falls 30%?”: keep, pause or sell and wait, on real monthly closes.
Connected on this page Chart Decisions
How to use it Pick a question: it runs on its own page, on real prices.
How to read it It is history, not a forecast: it shows how a plan held up then.
The rail · Professional
Upcoming What it is Your money coming and going: salary, loan payments and card bills for the next month to two years, month by month, and when each loan is paid off.
Connected on this page Net value
How to use it Add an item: it starts with typical figures, so most people only adjust the numbers. Private, like the value.
How to read it Read it next to the value: what you can put in each month comes from here, not from the market.
The rail · Professional
Tax year check What it is The Tax Year Check: This year's gains, losses on paper and allowance, in one place. Facts only, in general terms.
Connected on this page Holdings and transactions Fees Dividends
How to use it Pick your country (or set your own rate and allowance). It totals this year's realised gains and your losses on paper.
How to read it It never tells you what to sell. Your country’s own rules and a tax adviser decide.
Miscellaneous (in Portfolio’s rail) · Professional
Fees What it is It opens the Fee Analyzer: A 0.5% fund fee sounds tiny. Over 30 years it takes about a seventh of what you would have had. Enter each fund or ETF's yearly cost (its TER) and the analyzer shows what they take from you over time, next to the broker fees and charges you have already paid.
65% In funds with a yearly fee
0.2% The world ETF’s yearly fee
0.2% Fees this year
Connected on this page Chart Tax year check A world ETF A euro bond fund
How to use it It lists your holdings and the broker fees and charges in your journal. Add the yearly cost (TER) of each fund or ETF.
How to read it Lower is better: it is the share of your money going to fees and interest. A low-cost index fund costs about 0.1-0.2% a year; many active funds cost 1% or more.
Miscellaneous (in Portfolio’s rail) · Professional
Dividends What it is A year of dividends and interest, month by month. Dividend Calendar: For every stock you hold it looks up the dividends paid over the last years and forecasts when the next ones arrive and how much they will be for your shares. One calendar, one yearly total.
Connected on this page Tax year check A world ETF One company A euro bond fund Holdings and transactions
How to use it It checks the dividend history of each holding. Payments are projected forward on the same schedule, for the shares you own now.
How to read it Higher is better. More is nice, but the total return matters more than the payout. A dividend comes out of the share price on the day it is paid.
Miscellaneous (in Portfolio’s rail) · Professional
Decisions What it is The decisions you noted, with your reason, from any tool or the Lab. They come back here months later.
Connected on this page Lab Holdings and transactions
How to use it Note a decision when you make it; when it comes back, mark whether it held.
How to read it Your own reasons, read later, teach more than any number on the page.
A row in Holdings · Professional
A world ETF What it is One fund that owns thousands of companies around the world. In the sample it is the largest holding, 45% of the whole.
45% Share of the whole
+18% Gain since bought
Connected on this page Holdings and transactions World Fees Dividends
How to use it In Portfolio it is a row in Holdings and in What you own, with its share and its gain since it was bought; tap it to open that holding.
How to read it A world fund counts as many companies, so 45% here is spread far wider than 20% in one company. 60% in one world index fund is spread over thousands of companies.
A row in Holdings · Professional
A euro bond fund What it is A fund that lends to European governments and companies and is paid interest for it: 20% of the whole.
20% Share of the whole
+2% Gain since bought
Connected on this page Holdings and transactions World Fees Dividends
How to use it In Portfolio it is a row in Holdings and in What you own, with its share and its gain since it was bought; tap it to open that holding.
How to read it It usually moves less than shares, and often differently: it is the calmer part of the mix. When interest rates rise, its price falls for a while.
A row in Holdings · Professional
One company What it is Shares of one single company: 20% of the whole, the largest bet on one name.
20% Share of the whole
+30% Gain since bought
Connected on this page Holdings and transactions Allocation World Dividends
How to use it In Portfolio it is a row in Holdings and in What you own, with its share and its gain since it was bought; tap it to open that holding.
How to read it It depends. Lower is usually safer, but it depends on what the holding is. 60% in one world index fund is spread over thousands of companies.
A row in Holdings · Professional
Cash What it is Money waiting, not invested: 15% of the whole.
Connected on this page Net value Holdings and transactions
How to use it In Portfolio it is a row in Holdings and in What you own, with its share and its gain since it was bought; tap it to open that holding.
How to read it It depends on your plans: cash is a cushion and a waiting room. A few months of spending in cash is a common cushion.