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Frequently Asked Questions

Find answers to the most common questions about our services

It brings together in one place:

  • A deep neural network that learns every day from the market evolution
  • All your stocks in a single place
  • Real-time access to most stock exchanges in the world
  • Each stock in your Portfolios analysed against years of its own price history
  • The financial news and press articles analysed every day, each article given a credibility score
  • All historical data combined with the latest press coverage, weighted by its credibility, into a final AI Score for each of your stocks
  • Virtual-Portfolios™ — test “what if” ideas: the history is worked out from price data, even before the day you built it, with dividends detected and reinvested automatically
  • Paper-Portfolios™ — trade at real market prices with imaginary money: each day’s value is saved and never recalculated, so the track record cannot flatter itself in hindsight

Together they let you check the AI’s recommendations against the S&P 500 yourself. We do not know of another portfolio tool for individual investors that offers both Virtual-Portfolios™ and Paper-Portfolios™.

Getting started is easy! Simply follow these steps:

  • Create your account by clicking the Register for free access button
  • Build your portfolio — Build it!
  • Choose your subscription plan to improve your experience
  • Start exploring our features!

If you need help during setup, just get in touch — we are glad to walk you through it.

Very easy: you can check for yourself the history of what the AI recommended, and the result.

  • Use Virtual Portfolios™ to check the evolution of what AI recommended.
  • 1) Ask AI to Create a Virtual-Portfolio™ matching its recommendation
  • 2) Use the system history to see how the value of this portfolio changed over time
  • For a record that can never be recalculated afterwards, use a Paper-Portfolio™: each day’s value is saved once and never changed

You do not have to take our word for any of it. Build the portfolio the AI recommends, let the history accumulate, and judge the result yourself — that is the whole point of the feature, and it is why we would rather hand you the tool than quote you a number.

Past performance is not a guarantee of future results.

Every stock we follow carries a single number between 0 and 100: its AI Score. It is our summary of everything we know about that company, expressed so that two very different businesses can be compared on the same scale.

It is built from three independent readings:

  • The company’s own measured history. Years of real behaviour — how the share price has moved, how violently, what it returned over one year and six months, what it pays in dividends, how large the company is and how strong its balance sheet looks. A model trained on what actually happened to thousands of stocks turns that record into a forward-looking estimate.
  • An independent second opinion. A separate AI review looks at the same company and forms its own judgement, without seeing the first result. Two methods that agree are worth more than one method that is confident.
  • What the press has been saying — explained in the next question.

The three are combined into the one number you see. Higher is better, and the Recommendation column translates it into plain language — Strong Buy through to Sell — so you never have to remember where the thresholds sit.

What a score is not. It is not a prediction, and it is not a promise. It is a ranking of the evidence available today: it tells you which stocks look strongest on the record, not what the market will do next. Use it to decide what deserves your attention, then make your own decision.

It is a reading of what the press has actually been saying about a company over the last 30 days — not a mood meter, but a count of considered judgements.

Every day, the financial news and press articles written about each company are read and judged one article at a time:

  • Each article gets its own verdict on that company specifically — favourable, unfavourable or neither — rather than a general impression of the whole piece
  • Every source carries a credibility weight, so a serious financial title counts for considerably more than an anonymous blog
  • Recent coverage counts most: an article counts double one published five days earlier, so last month’s story fades rather than lingering

Reading the number. The result is a score from 0 to 100, where 50 is neutral. Above 50 the recent coverage leans favourable, below 50 it leans unfavourable. The figure in brackets is how many articles went into it, so 83.26 (150) means a clearly favourable reading built on 150 separate articles rather than one loud headline.

A dash means something different from 50. A dash is silence — nothing meaningful was written about that company in the window. Fifty means the press wrote plenty and it balanced out. Quiet is not the same as balanced, so we never pretend one is the other.

You choose how to pay when you subscribe. Both options accept all major payment methods:

  • Pay by card — Visa, MasterCard, American Express and Discover, handled by Stripe
  • Digital wallets — Apple Pay, Google Pay, Link, Cash App Pay and Klarna appear on the card payment page automatically, depending on the device and browser you are using
  • Pay with PayPal — your PayPal balance, a linked bank account, or a card as a guest without a PayPal account
  • For your protection, we never save your credit card or bank info on our system

All payments are processed securely through our encrypted payment gateway. Your financial information is never stored on our servers.

A Virtual-Portfolio™ is a portfolio you create to automatically follow its valuation over time.

Once created, our system will automatically evaluate it once a day and save its history.

A major feature: our system will automatically check if a dividend has been paid.

If a dividend has been paid, the amount paid will be used to "reinvest" and the number of shares in your portfolio updated.

You can view your Virtual-Portfolio™ and its history at any time.

You can use them to analyse "What if" scenarios.

The system can automatically create a Virtual-Portfolio™ from the list of best recommended stocks.

The number depends on your subscription plan:

  • Gold — 5 Virtual-Portfolio™s
  • Platinum — 15 Virtual-Portfolio™s
  • Diamond — 40 Virtual-Portfolio™s

The basic Silver plan does not include Virtual-Portfolio™.

The same limit applies to every portfolio you own — your main portfolio, a Virtual-Portfolio™ or a Paper-Portfolio™ — and it depends on your plan:

  • Silver (free) — 10 stocks per portfolio
  • Gold — 50 stocks per portfolio
  • Platinum — 250 stocks per portfolio
  • Diamond — 350 stocks per portfolio

If you import a file or connect a broker account holding more positions than your plan allows, your largest holdings are imported and the rest are left out — and we tell you how many were skipped.

Moving to a lower plan never removes stocks you already hold. You simply cannot add more until you are back under the limit.

A Paper-Portfolio™ lets you trade at real market prices with imaginary money, and builds a track record you can actually trust.

You open it with a starting cash balance — $100,000 by default — and from that moment you buy and sell exactly as you would with real money:

  • Every trade is priced at the current quoted price, not a price you choose
  • Your cash is enforced — a purchase you cannot afford is refused
  • You cannot sell shares you do not hold
  • Every buy and sell is written to a permanent ledger that is never edited or deleted
  • The whole portfolio is valued once a day and that value is saved forever

That last point is the reason the feature exists. A saved daily value is never recalculated afterwards, so the record your Paper-Portfolio™ builds cannot drift, cannot be tidied up, and cannot flatter itself in hindsight.

It is the honest answer to the only question that matters: how did these decisions actually perform?

Both let you follow a portfolio without risking any money, but they answer two different questions.

A Virtual-Portfolio™ answers “what would this have been worth?” Its history is worked out from price data every time you look at it, which is exactly what makes it so good at “what if” analysis — including looking backwards at stocks you never actually chose.

A Paper-Portfolio™ answers “what did I actually decide, and when?” It starts empty on the day you create it and records your decisions as you make them.

The practical differences:

  • History — a Virtual-Portfolio™ recalculates its past every time it is plotted. A Paper-Portfolio™ saves each day’s value once and never recalculates it
  • Starting point — a Virtual-Portfolio™ can show a history reaching back before you built it. A Paper-Portfolio™ has no history before the day it was created
  • Changing holdings — in a Virtual-Portfolio™ you can type a new quantity directly. In a Paper-Portfolio™ a position moves only through a recorded buy or sell
  • Cash — a Virtual-Portfolio™ has no cash balance to respect. A Paper-Portfolio™ enforces yours, so you can only buy what you can afford
  • What it proves — a Virtual-Portfolio™ explores possibilities. A Paper-Portfolio™ builds evidence

Which should you use? Use a Virtual-Portfolio™ to test ideas and study how a set of stocks behaved. Use a Paper-Portfolio™ when you want to practise trading properly, or to prove — to yourself or to anyone else — what your decisions were really worth.

Many members run both.

The number depends on your subscription plan:

  • Silver (free) — 1 Paper-Portfolio™
  • Gold — 3 Paper-Portfolio™s
  • Platinum — 10 Paper-Portfolio™s
  • Diamond — 25 Paper-Portfolio™s

Unlike Virtual-Portfolio™, the free Silver plan does include a Paper-Portfolio™ — so you can start building a real track record without paying anything.

Moving to a lower plan never deletes the portfolios you already have. You simply cannot create new ones until you are back under the limit — and deleting a Paper-Portfolio™ erases its recorded history permanently, which is the one thing that cannot be rebuilt.

Yes. Copy My Portfolio duplicates any portfolio you own into a new Virtual-Portfolio™ or Paper-Portfolio™. The original is never touched.

It is the quickest way to:

  • Try a different allocation without disturbing your real holdings
  • Keep a snapshot of where you stood before rebalancing
  • Turn the stocks you actually own into a Paper-Portfolio™ and start building a track record from today

What comes across with the copy:

  • Every holding and quantity
  • Copying a Paper-Portfolio™ also brings its full trade ledger, its saved daily values and its corporate actions — in a Paper-Portfolio™ the ledger is the portfolio, so a copy without it would be meaningless
  • Copying into a Paper-Portfolio™ from one that is not opens it with a cash deposit worth exactly what the holdings are worth, then records the opening purchases — so the new portfolio balances from its very first day

Three things worth knowing:

  • You can only copy portfolios that belong to you
  • A copy never creates a second portfolio with a name you already use — it replaces that one. Give the copy a new name if you want to keep both
  • A copy that creates a new portfolio counts against your plan’s limit, exactly like creating one from any other screen

If your plan does not include portfolio copying, the page tells you so and offers the upgrade.

It reads a portfolio you own and proposes a concrete set of buys and sells to raise its overall quality — then shows you the whole plan before anything happens. You can read it and walk away.

It works in three steps:

  • It looks at what you hold — every position and how it currently scores
  • It right-sizes the number of positions. Too few and one bad month hurts badly; too many and your best ideas are diluted by your weakest
  • It swaps the weakest holdings for better-scoring stocks

A swap has to be worth making. A holding is only replaced when the stock taking its place scores at least 5 points higher. Churning between two near-identical stocks costs money and achieves nothing, so the optimizer simply refuses to do it.

You decide how much cash to leave alone. A Cash to keep box lets you hold money back — set it to 0 and everything available is invested, set a figure and that much is never touched.

The order is deliberate. Every sale runs first, so the money raised is real before anything is bought. If a purchase no longer fits once the sales have settled, it is skipped and reported to you — never quietly shrunk to whatever happened to be left. Any cash still sitting there at the end is put to work by topping up the best-scoring stock you already hold, rather than opening a position nobody asked for.

It finishes the job in one run. Run it again immediately and it will tell you there is nothing left to do.

It works on all of your portfolios — your main portfolio, a Virtual-Portfolio™ or a Paper-Portfolio™.

Your real holdings stay exactly as they are. On a paid plan, optimising your main portfolio does not change it. Instead it builds a separate Optimum_ version alongside it, so you can compare the two side by side, refine the optimum, and only act on your real portfolio once you are convinced. Nothing is decided for you.

On the free Silver plan there is no separate copy, so the changes are applied to the portfolio itself — the page says so plainly before you confirm, and you still see the full plan first.

In a Paper-Portfolio™, every move it makes is written to the permanent ledger as a real recorded trade, exactly as if you had placed it yourself — so an optimised Paper-Portfolio™ still builds a track record you can trust.

Yes! You can move to a different plan at any time, whether that is a higher tier or a lower one.

Cancel your current plan first, then subscribe to the one you want. Cancelling is immediate and refunds the unused part of the month, so you are never paying for two plans at once and there is nothing to wait for.

There are no penalties for changing plans, and you can switch as many times as needed.

Data security is our top priority. We implement multiple layers of protection:

  • 256-bit SSL encryption for all data transmission
  • Your card and bank details are never stored on our servers — they stay with Stripe and PayPal
  • GDPR and CCPA compliant data handling
  • Regular automated backups, encrypted
  • We never sell, rent or share your data

Absolutely! We provide comprehensive customer support through multiple channels:

  • Email support — we aim to answer within one business day
  • Knowledge base — self-service articles and tutorials
  • Live chat — coming soon

Subscribers on paid plans are answered first.

Yes — and it is not a trial that expires. The Silver plan is free and stays free:

  • No credit card to start, and none ever required
  • The main features, with lower limits on how many stocks and portfolios you can keep
  • A Paper-Portfolio™ is included, so you can build a real track record without paying anything
  • The same customer support as everybody else

There is nothing to cancel and no date to remember. Move up to a paid plan when the limits start to get in your way — and back down again whenever you like.

Absolutely not! We do not share data with any organizations. Regarding cookies:

  • We only store cookies necessary for the site to operate
  • We do not share cookies
  • You do not need to adjust cookies

You can cancel your subscription at any time through your account settings:

  • We do not play gimmicks like many sites — you can cancel in a single click
  • Go to the tab "Subscription"
  • Click "Cancel my subscription"
  • Follow the confirmation steps

Cancelling takes effect straight away, and we refund the unused days of the month you have already paid for. The refund goes back to whichever method you paid with and usually appears on your statement within 5 to 10 business days.

No cancellation fees apply, and you can subscribe again anytime.