How to use Informed Portfolio

17 of the 19 analysis tools run for free on every plan, with unlimited runs (Growth Replay's video render is limited to 10/day on the Free plan) — including the one you're on right now. The exceptions are Parameter Sensitivity and Contribution Coach, included with every paid plan (Pro, Advisor, and Business). What the paid plans otherwise unlock is everything around the analysis: saving more of your work, keeping it forever, clean reports and share links, more AI Insights, and the professional and team features.

Features that need a particular plan carry a badge: no badge means every plan;Pro+ means Pro, Advisor and Business; Advisor+ means Advisor and Business;Business only means Business only.

Four plans. Free is genuinely useful on its own; the paid plans are about keeping your work, presenting it cleanly, and — at the top — running a practice or a team.

Annual billing saves 20%. Billed once a year that's about $12/mo for Pro ($144/yr), $36/mo for Advisor ($432/yr), and a discounted annual rate for Business. Toggle monthly/annual on the pricing page.

Business is per-seat. The $150 base covers the owner (first seat); each additional analyst is +$30/month (or +$24/month billed annually,$288/year per seat). Adding or removing a seat is prorated as soon as Stripe confirms the change. If Stripe can't be reached the seat showsBilling pending and you can retry from the team manager — we never report a charge or a credit your payment provider hasn't confirmed.

Which plan is for me?

• Just learning or testing ideas for yourself? Free is plenty.
• Managing your own money and want to keep your work with clean reports? Pro.
• Using this professionally with clients? Advisor permits commercial use of attributed derived analyses and reports. Raw market-data redistribution is never included.
• Running a team where analysts share a book of clients? Business.

What Informed Portfolio is

A portfolio research and decision-support platform. You enter a portfolio — a set of stocks, ETFs, or asset classes with weights — and run any of 17 tools that answer questions like “how would this have performed?”, “how risky is it really?”, “will my money last in retirement?”, and “which holdings actually diversify each other?” Every result comes with a plain-English verdict and explanations.

Creating an account & signing in

You can browse and run tools without an account. You need to sign in to save work, email reports, import a screenshot, or use any paid feature. Two ways in:

1. Email + password — sign up and set a password. Forgot it? Use the reset link on the sign-in page.
2. Continue with Google — one click, using your Google account (your Google email must be verified).

The dashboard

Once signed in, your dashboard is home base: saved portfolios and analyses, your monitors, and quick links into the tools. Saved analyses can be opened, re-run, compared, reported, or shared from here.

Everything starts with a portfolio. Every tool shows the same holdings editor, so once you learn it you know it everywhere. Type holdings by hand or import them; whatever you enter becomes your active portfolio that follows you tool to tool. At the top of the editor is a prominent “Import your portfolio ▾” button, with “or enter it manually below” underneath.

3.1  Manual entry

1. Type a ticker (VTI, AAPL) into a row — a search suggests matches as you type.
2. Enter its weight — the percentage of the portfolio in that holding.
3. Click “+ Add holding” to add a row, and repeat.
4. Weights must total 100%. The editor shows the running total and warns if it's off. The Equal-weight button splits 100% evenly across your rows in one click.

Remove a row with its ✕ control. A few tools (e.g. Correlations) take a plain ticker list with no weights — there the weight column just doesn't appear.

3.2  The CASH row

Add a holding with the ticker CASH to represent uninvested cash or a money-market sleeve. It's a special pseudo-ticker: engines treat it as stable, no-growth, no-dividend, so “60% stocks / 40% cash” behaves as you'd expect. Supported in Backtest, Monte Carlo, Goals, Retirement, Factor, Stress, and Growth Replay; the construction tools that need real return history (Correlations, Efficient Frontier, Optimization, Black-Litterman, Tactical) exclude CASH and will tell you so.

3.3  CSV import

Choose Import → CSV. The importer reads a simple ticker, weight (or shares/amount) layout right in your browser — your file isn't uploaded to a server. Review the parsed rows and they drop into the editor.

3.4  Screenshot import (OCR)

Got a screenshot of your brokerage holdings? Choose Import → Screenshot and upload the image; Informed Portfolio reads the holdings out of the picture.

• Sign-in required. On Free you get 3 scans per day; on any paid plan scans are unlimited.
• It repairs misread tickers. If a symbol is mis-transcribed but the company name is recognized, it looks up the correct current ticker — e.g. it fixes “Broadcom” to AVGO (not the retired BRCM), noting “used the closest listing.”
• It flags what it can't verify. Any symbol it couldn't confirm against real data is highlighted with a rose ring and marked “couldn't verify.” Fix or delete those rows — the highlight clears as you edit.

Always give the reviewed list a once-over before running. OCR is a big time-saver, not a guarantee.

3.5  Models & examples

The Models menu loads classic ready-made allocations (three-fund, 60/40, all-weather-style mixes) straight into the editor. The Examples gallery does the same for curated scenarios, many deep-linking into a specific tool pre-loaded and ready to run.

3.6  Your active portfolio follows you

The portfolio you're working on is remembered in your browser as your active portfolio. Move from Backtest to Stress Test to Correlations and your holdings come with you — no re-typing. Ticker-list-only tools read it without overwriting, so bouncing through them never degrades what you built. Loading a model, example, or saved portfolio replaces the active one; clearing the editor starts fresh.

Every tool presents results the same way, so these conventions apply everywhere:

• The verdict banner — a plain-English one-liner summarizing what the numbers say. It's descriptive, never prescriptive.
• Key-metrics cards — the handful of numbers that matter most, up front.
• Tooltips — hover or tap the ⓘ by any metric for a plain-English definition.
• Simple ↔ Detailed toggle — switch between a clean beginner view and the full set of charts and tables. The app remembers your choice.
• “What was analyzed” header — chips for the exact portfolio, dates, and options, plus a Data-through date and engine version, so a result is reproducible.
• Assumptions & limitations panel — what the tool assumes and deliberately ignores (e.g. gross of taxes and trading costs).
• Next steps — suggested follow-on tools for the question you're now asking.

From any result you can Save, Email it to yourself, download CSV / assumptions, or open a printable Report. Public Share links are available for backtest and asset-class results (other types can still be exported or grouped into a project) — all covered below.

17 run free and unlimited on every plan; Parameter Sensitivity and Contribution Coach (marked Paid below) are included with every paid plan (Pro, Advisor, and Business). They're grouped below by the question you're answering. Each entry explains what the tool is, gives a step-by-step of how to use it, and lists what you get back — then links straight to the tool and its full “how it works” write-up (both open in a new tab, so you keep your place here).

Want the full method behind any number? See Methodology or open any tool and read its “How it works” section.

There are two things you can save: a saved analysis (a specific result — the inputs plus the numbers, frozen in time) and a saved portfolio (just the holdings, to reuse across tools). Both live on your dashboard and require a (free) account.

How much you can keep depends on your plan:

A Report is a clean, formatted, printable page of a result — the verdict, key metrics, charts, and the required disclosures — meant to be saved as a PDF or printed for a client or your own records.

What the report looks like depends on your plan:

• Free: reports and PDFs carry an Informed Portfolio watermark.
• Clean, watermark-free reports Pro+
• Reports are also branded with your firm name and logo — set it once under Account → Report branding Advisor+

A share link is a public web page of a single result that anyone can open — no account needed to view. It is a frozen snapshot: its content never changes, even if you later re-run the analysis. It shows only that result; it never exposes your account or your other saved work, and you can revoke it at any time.

How the shared page looks depends on the owner's plan:

• Free: the shared page is a branded snapshot — it carries Informed Portfolio branding and a watermark.
• Clean, watermark-free share pages (and, on a saved analysis, a reusable Create share link control with copy & revoke) Pro+

AI Insights gives a written, plain-English interpretation of your specific numbers — what stands out, the trade-offs, and what to look at next. It reads the actual result, not a generic template.

Your monthly allowance and the depth of the analysis scale with your plan:

Caps reset on a rolling 30-day basis; a failed request doesn't count against you. Higher tiers get both a higher cap and a deeper style of analysis.

Growth Replay animates your money growing over real market history, with contributions, price growth, and dividends as three racing lines. Anyone can create and watch replays in the browser; paid plans can download the animation as a video.

A monitor watches a saved portfolio and alerts you when something moves past a threshold you set, so you don't have to re-run analyses by hand. You need at least one saved portfolio first (see §6).

• Free: monitors aren't available.
• Pro: monitor up to 5 portfolios.
• Advisor / Business: unlimited monitors.

Separately, every plan gets a weekly portfolio checkup email — covering 1 portfolio on Free, up to 5 on paid plans. Turn it on under Account → Emails.

Advisor and Business are licensed for commercial (client) use and add the tools a professional needs.

• Commercial use. Use attributed derived analyses, CSVs, emails, reports, and share pages with clients and for business. Raw or cached provider observations and data-feed redistribution are never included.
• Branded reports. Set your firm name and logo once. Both appear on your PDF reports; clean share pages currently carry the firm name only — the uploaded logo is deliberately not rendered on public share pages yet.
• Advisor workspaces (client folders). Organize portfolios and analyses by client, with a per-client overview and a printable per-client report bundle.
• Firm-wide report Business only — a consolidated printable rollup across all client folders.

Report presentation always follows the owner's plan, so client-facing output stays branded and watermark-free as long as the owning account is Advisor or Business.

Business turns a solo workspace into a firm.

• Add your team. Invite analysts as members with roles. The audit log records team creation, members added and members removed, plus shared-resource reads — an individual saved analysis, its report or export, a portfolio, or a client folder or client report. Each entry names who did it and when. It is append-only and shows the most recent 25 entries; it is not a complete access trail of every list or page view.
• Per-seat billing. The $150 base includes the owner; each additional analyst is +$30/month (or +$24/month billed annually, i.e. $288/year per seat), prorated once Stripe confirms it — an unconfirmed change stays visible as Billing pending with a retry. (Admin-comped Business accounts bill no seats.)
• Read-only shared client access. Team members can view the owner's client book — analyses, portfolios, and folders — read-only, surfaced in a “Shared with you” section.

Everything to do with your subscription lives on the Account & Billing page.

Also on the account page: manage your email/password, the weekly checkup toggle, (Advisor+) your report branding, and (Business) your team & seats — adding or removing an analyst is prorated once Stripe confirms the change, and shows asBilling pending until it does.