Frequently Asked Questions
No. It is a research and analytics tool for informational purposes only. Nothing in it is a recommendation to buy, sell or hold any asset — you are solely responsible for your own decisions.
Prices, fundamentals and news are fetched from public sources (primarily Yahoo Finance) and cached. Guru holdings come from SEC EDGAR 13F filings. Data is typically end-of-day and may be delayed or incomplete.
Every score, rating and metric is computed by fixed rules from stored data — the same inputs always produce the same output, so results are reproducible and auditable. AI is only used to write explanations, never to calculate or rank.
Because we don’t have a credible free source for them. Rather than show a misleading number, we omit it. Analyst consensus targets are shown as a fair-value guide where available.
Assets you hold or view refresh frequently; the whole universe refreshes daily; anything you open self-heals on the spot. Prices are end-of-day bars, so the “as of” date is the latest trading day.
Daily Picks rank the whole universe by factor scores every day. Monthly Picks are strategy portfolios (Tech Titans, Value, Small-Cap, etc.) rebalanced on the 1st of each month, with realized performance tracked since the pick.
Same underlying data, different pace. Morning Report is the full institutional brief with every module and a history of past reports. Morning Briefing (and the even shorter Today’s Priorities) is a faster, analyst-note-style read of what changed since you last logged in, for when you want the highlights in under a minute.
Alerts are rules you configure yourself — a price level, an RSI threshold, a rating you want to know about. Notifications (Smart Alerts) are generated automatically by the system whenever it detects a rating change, technical trigger, catalyst or portfolio-risk breach, with no setup required.
Holdings Value is the current market value of your positions, and it is always shown. Total Equity is Holdings Value plus your Recorded Cash Balance (minus anything owed). Because Finipli can’t check your ledger against your broker, Total Equity is only shown after you confirm, under Funding History on the portfolio page, that every deposit and withdrawal is recorded.
Your recorded transactions show more cash spent on purchases than received from sales and deposits. If you started tracking existing investments without recording their original funding, this balance may not reflect your actual brokerage cash. You can record an opening cash balance or missing deposits in Transactions — this will not change your existing stock trades. If your funding history really is complete, a negative balance is treated as money genuinely owed (for example margin) and reduces Total Equity.
No. You can track investments by recording only your trades — Holdings Value and unrealized profit/loss work without it. Recording an opening cash balance (a Deposit dated on or before your first purchase) is only needed for complete cash accounting and Total Equity. A deposit is capital you put in, so it never counts as investment return.
Each transaction keeps the currency it happened in. Recorded cash is converted to the portfolio’s base currency at the exchange rate on each transaction’s date — amounts in different currencies are never added together directly. If a needed rate is missing, the balance is shown as unavailable instead of being counted 1:1.
Holdings Value and unrealized profit/loss come straight from current prices and your recorded cost. Total, time-weighted and money-weighted returns also depend on your recorded deposits and withdrawals, so if your funding history is incomplete, treat them as indicative rather than exact.
Only what you explicitly publish, and only what you choose to publish it as. Sharing a portfolio publishes its symbols only — quantities, cost basis, brokers, notes and transactions always stay private. Nothing is shared by default.
It answers investment questions grounded entirely in your own stored data via tool calls, and its Audit Trail shows exactly which calls produced each answer — never free-form generation. It can draft a rebalance or a decision-journal entry, but approving a draft never executes a trade or changes your portfolio on its own; every action is explicit and reviewable.
By default the app is local-first and needs no login. An administrator can turn on authentication, after which you sign in with an email and password.
Yes — no third-party tracking or ads, and we don’t sell your data. See the Privacy Policy for details.