Frequently Asked Questions

1. Authorize: Allow your broker to daily send us your portfolio holdings info securely.
2. Monitor: Track your portfolio's performance and risk levels, receiving personalized improvement suggestions.
3. Research: Discover top stocks tailored to your portfolio's unique goals for return, safety, and income.
4. Optimize: Receive precise buy/sell recommendations to enhance your portfolio, tailored to your risk tolerance and preferences.
5. Execute: Implement the recommended portfolio changes by placing orders on your broker's platform.

hScore rates the investment attractiveness of a stock, ETF, mutual fund, or portfolio. It's a custom rating prepared specifically for your portfolio based on its goals and priorities for return, safety, and income potential.

• Stock's hScore: Rates a stock's attractiveness for your portfolio.
• ETF's hScore: Rates an ETF's attractiveness for your portfolio.
• Mutual Fund's hScore: Rates a mutual fund's attractiveness for your portfolio.
• Portfolio's hScore: Rates your portfolio's attractiveness based on its goals and priorities.

hScores range from 0 to 1000, with higher scores indicating greater attractiveness for your portfolio.

Return, Safety, and Income (abbreviated as RSI) Scores rate a specific attribute of a stock, ETF, mutual fund, or portfolio.

• Return Score: Rates return potential in rising stock market conditions.
• Safety Score: Rates return potential in falling stock market conditions.
• Income Score: Rates potential to generate dividends under any market conditions.

Unlike hScores, which are custom ratings for each portfolio, RSI Scores are standardized and the same for all portfolios. Like hScores, RSI Scores range from 0 to 1000, with higher scores indicating greater potential.

Like hScores, RSI Scores range from 0 to 1000, with higher scores indicating greater potential.

Your portfolio's priority weights indicate the relative importance of the potential for Return, Safety, and Income in your portfolio.

These priorities are expressed in percentages that always add up to 100%. You set these values in your portfolio settings.

Examples of portfolio priority weights:

hScores are calculated as a weighted average of the Return, Safety, and Income Scores of the item being rated (e.g. stock, ETF, mutual fund, or portfolio).

The weights used are your portfolio's priority weights for Return, Safety, and Income potential, ensuring all hScores are customized to your portfolio.

For example, if your portfolio has priorities of 60% for Return, 30% for Safety, and 10% for Income, all hScores for this portfolio are calculated using the formula:

Scores help you make informed portfolio decisions by serving as a single metric to evaluate, manage, and track your portfolio.

• Evaluate: When considering stocks, ETFs, or mutual funds for purchase, the relative rank of hScores helps you choose the best options.
• Manage: When making portfolio rebalancing decisions, analyzing the expected change in portfolio's hScore helps you make optimal buy/sell decisions.
• Track: While monitoring your portfolio, the portfolio's hScore helps you determine its attractiveness and alignment with your investment goals and priorities.

Return Score rates a stock's, ETF's, mutual fund's, or portfolio's return potential in rising stock market conditions.

Like hScores, Return Score ranges from 0 to 1000, with higher score indicating greater return potential.

Unlike hScores, which are custom ratings for each portfolio, Return Score is standardized and the same for all portfolios.

Safety Score rates a stock's, ETF's, mutual fund's, or portfolio's return potential in falling stock market conditions.

Like hScores, Safety Score ranges from 0 to 1000, with higher score indicating greater return potential.

Unlike hScores, which are custom ratings for each portfolio, Safety Score is standardized and the same for all portfolios.

Income Score measures a stock's, ETF's, mutual fund's, or portfolio's potential to generate dividends under any market conditions.

Like hScores, Income Score ranges from 0 to 1000, with higher score indicating greater potential to generate dividends. Investments that don't pay dividends are rated zero.

Unlike hScores, which are custom ratings for each portfolio, Income Score is standardized and the same for all portfolios.

Our analyst team was inspired by how scientists mix Red, Blue, and Green colors in different proportions to create any color.

Using this color analogy, we developed the RSI (Return, Safety, Income) framework for portfolio priorities.

This framework allows for creating any “portfolio flavor” by adjusting the proportions of Return, Safety, and Income potential.

In this framework, the percentages for Return (X), Safety(Y) and Income(Z) always add up to 100%, capturing the trade-offs between these three conflicting priorities.

Calibrate your portfolio's priority weights using the these two steps:

1. Set priority weights based on the past performance of you custom portfolio vs. the market

Adjust your priority weights until you're satisfied with how your custom S&P 500 portfolio performs relative to the actual S&P 500 over the last 10 years.

• If your goal is to outperform the market, your custom portfolio should have outperformed historically using those weights
• If your goal is to outperform during bearmarkets, your custom portfolio should have outperformed historically during bearmarkets using your set weights.
• If your goal is to outperform during bullmarkets, your custom portfolio should have outperformed historically during bullmarkets using your set weights.
2. Adjust priority weights from step 1 based on your stock market outlook for the next 12 to 18 months
• If expecting a bear market, consider increasing the Safety weight beyond what was set in step 1.
• If expecting a bull market, consider increasing the Return weight beyond what was set in step 1.