Think of the Stock Market like a giant, global garage sale for companies. Instead of old bikes and lamps, people are buying and selling tiny pieces of ownership called Shares.
Why do people do it? Because when a company grows or makes money, those tiny pieces can become more valuable. It's like planting a seed: you put in a little bit of money today, and over time, with some patience (and maybe some luck), it grows into a massive tree. The goal is simple: make your money work harder for you than you worked for it!
You're betting on the future superstars. You buy companies that are growing fast, reinvesting every penny they make to get even bigger. The goal is to sell your shares for way more than you paid for them. It's the "fast lane" of investing!
The FutureYou're building a "money machine." You buy established, profitable companies that pay you a portion of their profits regularly—these are called Dividends. It's like owning a rental property without the leaky pipes. It's the "steady lane"!
Cash FlowIn the stock market, risk and reward are twins. Generally, taking on more risk (like buying newer companies) gives you a chance at higher returns, but also a bigger chance of losing money. Playing it safe usually means smaller, steadier gains.
Risk ManagementTrying to time the perfect moment to buy or sell is nearly impossible. Instead, successful investors focus on Time in the Market. The longer you stay invested, the more your money can compound and grow, smoothing out the bumps along the way.
Long TermPersonas are quick profiles to help you pick a strategy that matches your comfort level, time, and goals. You can retake the quiz or change your persona anytime in Settings.
PersonalizationBrand-new investor learning the basics.
Start small, build habits, and learn how markets work.
Patient, cautious, consistent.
Can stall by waiting for the perfect time.
Prefers guidance or automation.
Use simple portfolios and recurring contributions.
Steady contributions, low effort.
Needs to stay aware of fees and risk exposure.
Long-term compounding mindset.
Build a balanced portfolio and reinvest regularly.
Discipline, patience, consistency.
May miss tactical opportunities.
Capital preservation comes first.
Favor resilient companies, cash buffers, and downside protection.
Risk control, stability.
Returns may lag in fast bull markets.
Comfortable with volatility.
Higher upside plays with bigger swings.
High risk tolerance, opportunistic.
Overtrading or oversized bets.
Fast, tactical decision-maker.
Short-term catalysts and quick adjustments.
Speed and adaptability.
Chasing noise or burning out.
Research-driven and methodical.
Builds a thesis, tracks signals, and rebalances intentionally.
Structured thinking and clarity.
Over-optimizing or overanalyzing.
Ambitious, conviction-led builder.
Concentrated positions with clear upside goals.
Confidence and scale.
Concentration risk if a thesis breaks.
The proportion of earnings paid out as dividends to shareholders, typically expressed as a percentage of the company's earnings.
Think of this as your allowance. If you earn £10 and give away £5, your payout ratio is 50%. It shows how much of the company's profit is being paid out to shareholders versus how much they keep to grow the business.
A company earns £100m and pays out £40m in dividends. Payout Ratio = 40%. They keep £60m to build new factories.
The ratio of a company's earnings to the dividend paid to shareholders, calculated as earnings per share divided by the dividend per share.
This is a safety score. It tells you how many times over the company could pay its current dividend using its profits. Higher is usually safer.
Profit is £100. Dividend payment is £50. Coverage = 2x. They could pay the dividend twice with that money.
A financial ratio (dividend/price) that shows how much a company pays out in dividends each year relative to its stock price.
The return you get on your money right now if you bought the stock today. It's like the interest rate on a savings account.
Share price is £100. Dividend is £5. Yield = 5%. If the price drops to £50, the yield goes up to 10%!
The dividend yield based on the original purchase price of a stock rather than its current market price.
Your personal return based on the price YOU paid, not the current price. This rewards long-term holding.
You bought at £10 years ago. The dividend is now £1. Even if the stock is £1000 today, your personal yield is 10%.
Synonym for Dividend Coverage. It measures how many times a company's earnings can cover its dividend payments.
Another way to say 'Dividend Coverage'. It's a safety check to see if the company can comfortably afford its dividends.
See Dividend Coverage for details.
Trailing Twelve Months Dividend Yield. It's the dividend yield based on the dividends paid over the last 12 months.
This is the 'Dividend Yield' but looking specifically at the last 12 months of payments.
If a company paid $2 in dividends over the last year and the price is $40, the TTM yield is 5%.
Yield on Cost. It calculates the dividend yield based on what you originally paid for the stock.
Your personal yield based on your purchase price. As the dividend grows over time, this number becomes much higher than the current yield.
You bought at $10. The dividend is now $1. Your personal yield (Cost) is 10%.
The total value of a company's shares of stock, calculated by multiplying the price of a stock by its total number of outstanding shares.
The total price tag of the company. It's the cost to buy every single share in existence.
1 million shares x £10 per share = £10 million Market Cap.
An estimate of what a stock is worth today based on the cash the business is expected to generate in the future, discounted back to the present.
A best-guess price tag for a stock based on future cash flows. If the fair value is higher than the current price, the stock may be undervalued.
Fair value is $50 while the stock trades at $40, suggesting about a 20% discount to fair value.
The ratio for valuing a company that measures its current share price relative to its per-share earnings.
How expensive the stock is compared to how much money it makes. It tells you how many years it would take to earn back your investment through profits alone.
P/E of 20 means you are paying £20 for every £1 of profit the company makes.
The Price/Earnings-to-Growth ratio determines a stock's value while taking the company's earnings growth into account.
The P/E ratio but with a twist—it accounts for growth. A low P/E might be a trap if the company isn't growing. PEG fixes that.
PEG under 1.0 is often considered 'cheap' or undervalued relative to its growth rate.
Price-to-Earnings Trailing Twelve Months. It uses the last 12 months of actual earnings to calculate the ratio.
The standard P/E ratio using the most recent 12 months of real data.
Price is $50, last year's earnings were $5. P/E (TTM) = 10.
Enterprise Value to Earnings Before Interest, Taxes, Depreciation, and Amortization. A valuation multiple used to compare companies including their debt.
A more comprehensive version of P/E. It looks at the whole company (including debt) relative to its 'cash' earnings. Lower is often better.
EV of $100M and EBITDA of $10M = 10x EV/EBITDA.
A measure of financial performance calculated by dividing net income by shareholders' equity.
A score for management. It shows how good they are at turning shareholders' money into more profit.
ROE of 20% means for every £1 shareholders put in, the company generated 20p of profit.
Return on Invested Capital Trailing Twelve Months. A calculation used to assess a company's efficiency at allocating capital to profitable investments over the last year.
Similar to ROE but includes debt. It measures how efficiently the company uses ALL its money (debt + equity) to generate profit over the last 12 months.
ROIC of 15% means the company generates a 15% return on all the cash invested in it.
Return on Capital Employed Trailing Twelve Months. A financial ratio used in assessing a company's profitability and capital efficiency over the last year.
A strict efficiency measure. It looks at profit relative to all the capital used in the business. Great for comparing similar companies.
Company A has 20% ROCE, Company B has 10%. Company A is getting double the return for every pound put to work.
Research and Development to Revenue Trailing Twelve Months. The proportion of a company's revenue that is spent on research and development.
How much of their sales money they are plowing back into invention and new tech. High spend often means a focus on future growth.
Revenue of $1B and R&D of $100M = 10% R&D/Revenue.
The difference between revenue and cost of goods sold (COGS), divided by revenue.
The percentage of money left after paying for the direct costs of making the product (materials, labor).
It costs £40 to make a £100 shoe. Gross profit is £60. Margin is 60%.
Return on Equity Trailing Twelve Months. Measures profitability for the most recent 12-month period.
Shows how efficient the company was with shareholder money over the last year.
Net income of $1M on $5M equity over 12 months = 20% ROE (TTM).
A ratio that measures a company's ability to pay off its liabilities with the cash generated from its operations.
Checks if the company has enough actual cash coming in to pay off its debts. Profit is opinion, cash is fact. This measures the real money.
A company owes £50m this year but has £100m in cash flowing in. They can easily cover their debts.
A ratio used to evaluate a company's financial leverage, calculated by dividing a company’s total liabilities by its shareholder equity.
How much the company relies on borrowed money versus money from shareholders. Too much debt can be risky.
Ratio of 0.5 means for every £1 of shareholder money, they have 50p of debt. Ratio of 2.0 means £2 of debt for every £1 of equity (Riskier!).
A statistical measure of the dispersion of returns for a given security or market index.
How much the stock price jumps around. High volatility means big swings (exciting but scary), low means a smoother ride.
A stock that moves between $10 and $100 in a month is very volatile.
A leverage ratio that shows how many years it would take for a company to pay back its debt if net debt and EBITDA are held constant.
A speed test for debt. It tells you how many years of profit (EBITDA) it would take to pay off all their net debt. Lower is safer.
Net debt of $20M and EBITDA of $10M = 2.0x. It would take 2 years of profit to clear the debt.
Month view calendar that lists dividend dates, earnings, and news events for portfolio holdings.
Helps you plan cash flow and stay ahead of key dates.
Events are generated from each holding's dividend schedule and company calendar data; tooltips show past or estimated dividend amounts when available.
Stacked bar chart of projected dividends by month.
Shows income seasonality and which holdings drive each month.
Each bar sums per-holding estimates; total equals the sum of holding dividends for that month.
Comparison grid of fair value (DCF) versus current price per holding.
Surfaces discounts and overvaluation quickly.
Gap = fair value - price; gap percent = gap / price. Values are normalized to portfolio currency.
A compact card that summarizes a single holding with key portfolio metrics.
Lets you scan cost, value, gains, dividends, and rating to spot winners and laggards quickly.
Shares held are total buys minus total sells. Cost basis uses buy lots minus sold cost basis. Value is shares times current price (converted to portfolio currency). Gain is value minus cost. Dividends are summed across payments. Return ratio is (value - cost + dividends) / cost. SS rating is a weighted score of yield, volatility, cover, and payout.
A composite score that rates a holding's income quality and risk on a 1-5 scale.
Gives a quick, comparable signal of dividend strength across holdings.
Weighted score of yield, volatility (inverted), dividend cover, and payout ratio. The score is mapped to 1-5 using threshold bands in the app.
A deep dive modal that expands a holding into valuation, dividend, and performance panels.
Gives full context for each holding so you can judge risk, value, and income in one place.
Weight is holding value divided by portfolio value. Dividend yield on cost uses total dividends divided by cost. Financial profit is revenue minus costs. Charts plot historical dividend and price series.
A transaction form for adding and editing buy and sell lots with auto-filled dividends.
Keeps cost basis and income history accurate so performance metrics stay trustworthy.
Shares on each dividend date are buys to date minus sells to date. Dividend amount is shares times dividend per share (HKD uses raw amount), then converted to the user currency.
Breakdowns that show how portfolio weight changes by sector, cost, and current value.
Reveals concentration and cost vs value drift.
Each slice equals category total divided by portfolio total; cost uses purchase lots and value uses latest price times shares.
Dividend distribution view grouped by sector with optional cost and value context.
Shows which sectors fund your income and where yield is concentrated.
Dividends are summed per sector; percentages use total dividends as the denominator and can be compared against sector cost or value weights.
A summary of daily or period price moves across holdings.
Highlights momentum and laggards quickly.
Percent change equals (current price minus previous price) divided by previous price; lists are sorted by magnitude.
Time series chart of portfolio value versus total cost.
Shows growth, drawdowns, and performance relative to invested capital.
Value series sums shares times price by date; cost series sums net purchases minus sold cost basis.
A sector allocation tool that compares your ideal mix to your actual holdings.
Highlights overweight and underweight sectors so you can rebalance with intent.
Actual percent is sector value divided by total portfolio value. Target percent comes from user inputs. Difference is actual minus target and is flagged as over or underweight.
A tracker that monitors target prices for each holding with progress indicators.
Keeps your entry and exit plans measurable and easy to monitor.
Progress percent is current price divided by target price. A target is reached when price is greater than or equal to the target.
Goal list for portfolio objectives.
Keeps your strategy visible and organized.
Goals are stored text entries and persisted to your profile without numeric calculations.
Watchlist builder for stocks you want to research.
Separates ideas from active holdings.
Search results are filtered by exchange; selected tickers are saved to the wishlist.
A two-state switch that flips the view between income and growth metrics.
Lets you quickly compare the portfolio through different investing lenses.
Switching the toggle updates the selected dataset, and connected widgets recalculate based on the chosen view.
An automated report view that summarizes trends, strengths, weaknesses, and recommendations.
Turns raw data into a narrative summary so you can focus on decisions.
Report sections are parsed from stored report JSON and rendered into structured insights sourced from portfolio data and news.