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| Provider | Start | History | One-off Pay In | Withdrawal | Monthly In / Day | Monthly Out / Day | Invested | Current Value | Gain | Performance (%) | vs Last | Est. Annual Perf % |
|---|
Average single-stock implied vol (VIXEQ) minus index implied vol (VIX), both sourced from Cboe. Wider = stocks expected to move more independently (low correlation / high dispersion); narrow = moving together.
VIX − VIX3M (30-day vs 90-day) and VIX9D − VIX (9-day vs 30-day). Above 0 = backwardation — near-term fear priced above longer-dated vol, one of the more reliable short-term risk-off warnings. Below 0 is normal contango (calm).
How jumpy the options market itself is; often leads VIX. Flags mark crossings above 110 (elevated) / 130 (extreme) and sudden jumps.
How much the market is paying to hedge a left-tail crash. Flags mark crossings above 145 (elevated) / 150 (heavy tail-risk hedging).
A slow, macro backdrop, not a short-term timer. Below 0 = inverted — historically a recession warning (usually months ahead). Flags mark inversion and re-steepening.
The extra yield demanded to hold junk bonds; credit markets tend to crack before equities. Rising = risk-off. Flags mark crossings above 5% (stress building) / 8% (crisis-level) and sharp one-day widening.
Each cell is that calendar month's % change for the index selected in the Index Chart above. The "Year" column is the full calendar-year return.
| Select an index above to view its monthly returns. |
Relative money flow between S&P 500 sectors — each column is a sector, each row a captured snapshot (most recent first). Colour is relative strength vs. the S&P 500 itself, leaning on pre/post-market moves in each sector's most liquid names and any volume surge, since sector ETFs alone barely trade outside regular hours. The snapshots below are shared by every account. Capture frequency is set by the admin account and applies to everyone; set your own alert email below to opt in (or out) of emails at that same frequency.
Upload the fund's holdings spreadsheet (Full name / ISIN / Weight — the Invesco export). Each ISIN is resolved to its market listing and ranked by a Conviction score that blends multi‑horizon momentum, growth (incl. EPS acceleration), and the managers' own weight changes since your last upload. Use it to maintain a concentrated book below. Not financial advice.
Upload the latest holdings file, then click Run Scan.
Scans for durable long-term compounders: proven revenue growth, strong returns on capital, positive free cash flow, and a structural uptrend.
Scans for stocks off their 52-week high with accelerating quarterly earnings — a swing setup, not buy-and-hold. Fixed gates: price above SMA200, RSI ≥ 40, EPS growth ≤ 300%.
Mark Minervini's 8-rule Trend Template, plus a 0-100 Volatility Contraction Pattern (VCP) score. Rule 8 (Relative Strength) is a true percentile computed once the scan finishes, so the live "found" count can drop at the end.
Return on Invested Capital — a pure capital-efficiency screen. Must clear the floor in every one of the last N fiscal years, not just the latest. Banks and insurers are excluded.
Cash Return on Capital Invested — the cash-flow sibling of High ROIC. Measures the operating cash a business generates per unit of invested capital, sidestepping accounting noise. Must clear the floor in every one of the last N fiscal years. Banks and insurers are excluded.
The latest US SEC 13F holdings for a curated list of well-known fund managers (Buffett, Ackman, Burry, Klarman, Tepper and more). Quarterly data, lagged up to ~45 days; long US-listed equity positions only. Choose “All funds” for a consensus ranking, or a single manager for their full holdings. No universe needed.
The latest open-market insider buys & sells (SEC Form 4), ranked by trade value. Only genuine purchases and sales of $100k+ are shown — grants, option exercises and tax withholding are excluded. Rolls forward from now: the Day view works immediately, Week/Month fill in over time. No universe needed.
Scans your universe for unusual options positioning — option volume vs open interest, put/call, premium, and implied-vol skew — and tracks how the skew has shifted since the last scan day. Uses end-of-day Yahoo option chains (delayed), not real-time trade flow. Run it daily to build the skew-shift history. Best on liquid US names.
Mark Minervini's Volatility Contraction Pattern — progressively tighter pullbacks on drying-up volume, coiling into a pivot inside an uptrend. Scored 0–100 (70+ = a real match). Read on the daily chart (a monthly chart is too coarse to show the contractions).
Mature businesses aggressively shrinking their share count with free cash flow, so EPS compounds even when income growth is modest. Must clear all four gates: share reduction, FCF yield, low dilution, and a debt ceiling.
Companies at an inflection point where fixed investment is largely done, so revenue growth drops straight to the bottom line. Must clear all four gates: expanding gross margin, flat/declining SG&A, falling CapEx, and FCF above net income.
Companies with enough net cash to survive a crash or buy back stock at trough valuations, confirmed by a healthy Piotroski F-Score. Must clear all gates: positive net cash, net cash/market cap above the floor, interest coverage, and F-Score.
No preset thesis — set your own thresholds directly. Every field below is optional; leave any of them blank to not filter on that metric at all.
A fully automatic model portfolio: £50,000 start, scans your chosen universe (Russell 3000 by default) daily and runs a concentrated momentum book with strict stops, logging every decision so you can copy it. Targets 50%+/yr — high risk, expect big drawdowns. Not financial advice.
Loading the book…
Auto-trade the Alpha book into your Trading 212 practice account — demo only, a real-money key won't connect. In the T212 app (Practice mode) open Settings → API for your Key ID and Secret Key (shown once) and paste both. Stored encrypted, never shown again.
Download the full log, upload it to Claude, and type run prompt — the file tells it what to do. Paste the JSON back here: it's clamped to safe bounds and becomes a proposal you approve. Nothing changes automatically.
Your hand-picked winners from the fund. Maintain it here, download the monthly review pack for Claude, and paste its proposal back to update the book. Returns are price-based (currency-agnostic). Paper/advisory only — nothing here trades. Not financial advice.
Download the pack, upload it to Claude, and type run prompt. Paste the JSON it returns here: it's clamped to safe bounds and becomes a proposal you approve. Nothing changes automatically.
Upload bank statement CSVs (most UK banks) to map your spending. Overlapping months are de-duplicated. Drag, zoom, and hover a dot to see what you spent there.
Upload your mortgage statement CSV to see, at a glance, how much you've paid off, how much is left, how much of that is interest, and the date you'll be mortgage-free. Then use the overpayment calculator to see what paying a little extra would save you.
Just three things from your mortgage app or annual statement — we'll work out what you still owe.
For a repayment mortgage. The balance is an estimate — if you upload a statement later, that's used instead.
Export your mortgage transactions from online banking (this matches Halifax's export). Five columns, one row per transaction — newest-first or oldest-first both work:
| Date | Transaction | Out(£) | In(£) | Balance(£) |
|---|---|---|---|---|
| 01-Aug-26 | Direct Debit | 1180.00 | 208384.02 | |
| 31-Jul-26 | Interest | 761.20 | 209564.02 | |
| 01-Jul-26 | Direct Debit | 1180.00 | 208802.82 |
03-Aug-26.Direct Debit for your monthly payment, Interest for interest charged.The app reads your monthly payment, the interest charged and the latest balance, then works out your interest rate and payoff date automatically — no other details needed.
Minimum data: at least one month — one Direct Debit payment and one Interest charge. Three or more months is recommended, as it averages the interest rate for a more accurate projection.
Try overpaying to see the difference to your total interest and payoff date. This only models “what if” — it doesn't change your statement.
Tip: change the interest rate to model a remortgage or a rate rise, and combine it with an overpayment to see the effect on your payoff date and total interest.
Track what you own outside Pensions and ISAs — property, vehicles, valuables, a business, savings. Update a value now and then; the history builds your net worth over time and feeds the AI review. Values are your own estimates.
| Name | Type | Value | Valued | Gain |
|---|
Values can fall as well as rise. Examples only, not personal advice.
Values can fall as well as rise. Examples only, not personal advice.
This pulls together everything the app knows — your Pensions, ISAs, Other investments, Bank Accounts spending and Mortgage — and flags things a good financial review would look at, in plain English.
Optional, but it sharpens the review — it lets us factor in your time horizon, dependants, risk comfort and any expensive debt. Saved to your account only.
Generate a short, plain-English written review of the picture above. Uses your connected Claude key; the suggestions above work without one.
Takes 15–30 seconds.Reconstructed from changes in the History total between saved snapshots — each row is the net change since the previous snapshot, so it reflects pay-ins, withdrawals, and any manual History corrections combined.
| Date | Amount |
|---|
Renaming updates every historical snapshot for this provider too, so history stays intact. Copying puts the provider and its full history into another portfolio and leaves this one untouched — check the copy, then delete the original here if you no longer need it.
It compounds two things forward to your target year and adds them together:
1. Your current pot grows on its own as a lump sum:
future value = current pot × (1 + r)n
2. Your monthly contributions (if left blank: your providers' standard monthly pay-ins minus any standard monthly pay-outs) are added each month and each instalment compounds from when it goes in (a standard "ordinary annuity"):
future value = monthly × [ ((1 + r)n − 1) ÷ r ]
where r is the monthly rate (annual rate ÷ 12) and n is the number of months from now to the end of your target year.
Annual rate: if left on "auto", it uses your own time-weighted annualised return so far; otherwise it uses the rate you type. For very short histories the auto rate is capped to avoid wild extrapolation, and in all cases it's kept between −5% and +15% a year — compounding an exceptional recent run over many years isn't realistic. Type a rate to override.
Today's £ (real terms): when ticked, the annual rate is first discounted for inflation using the Fisher formula — real rate = (1 + nominal) ÷ (1 + inflation) − 1 — so the result is shown in today's spending power rather than the larger headline future number.
A projection based on your inputs, not a guarantee — real returns vary year to year.