Portfolio Monitor — Feature Guide

📌 Top Metrics Bar

💼

Total Portfolio Value

Current market value of all positions plus cash across every account, updated live on each refresh.

📅

Day Change $ & %

How much your entire portfolio moved today in dollars and percent — green or red at a glance.

📈

Total Gain / Loss

Unrealized gain or loss vs. your cost basis across all holdings combined.

🏦

Total Cash

Aggregate uninvested cash across all accounts — click to jump to dividend details.

📉

SPY & QQQ Benchmarks

Today's S&P 500 and Nasdaq-100 performance displayed alongside your own, so you always know if you're beating the market today.

🗂️ Account Allocation

🔵

By-Account Value & Percentage

Each brokerage account (Roth IRA, Solo 401k, Wealthfront, E*TRADE) displayed with its current value, percentage of total, and color-coded bar — instantly see where your money lives.

💵

Per-Account Cash Balance

Cash held in each account shown separately so you can spot uninvested funds quickly.

🧩 Sector Allocation

🎯

Sector Breakdown

Every position sorted into sectors (AI/Semis, Nuclear, Fixed Income, Metals, International, etc.) with market value and percentage — see your concentration risk instantly.

📊 Sector Performance Panel (1-Day · 5-Day · 30-Day tabs)

📅

1-Day Sector Performance

Which sectors gained or lost today, weighted by your actual position sizes — not generic market data, your real exposure.

📆

5-Day & 30-Day Performance

Switch to 5-day or 30-day views to see momentum trends across sectors. Displayed in both percent change and dollar change.

🔁 Refresh & Auto-Snapshot

🔄

Manual Refresh Button

Pull live quotes from Tradier on demand. Each refresh also silently records today's total portfolio value as a daily snapshot used by the Performance chart.

🟢

Live Indicator & Timestamp

Pulsing green dot and "last updated" time in the header confirm data freshness at a glance.

📊 SPY / QQQ Intraday Chart

📈

Live Intraday Benchmark Chart

A mini candlestick chart for SPY or QQQ sits directly in the dashboard — toggle between the two with one click. Shows pre-market bars so you see the full session from open to close. Powered by LightweightCharts v5 with 2-minute candles.

💲

Live Price & Day Change

Current price, day change $, and day change % displayed as a header above the chart — updates on every refresh cycle.

🌍 Market Pulse Strip

📉

Four Macro Indicators

A live strip below the SPY/QQQ chart tracks four key macro signals: 10Y Treasury Yield, US Dollar (UUP), Gold (IAU), and WTI Oil. Each tile shows current price and day change — essential macro context without leaving the dashboard.

🦅 Eagle Watch — Automated AI Briefings Claude · Grok · ChatGPT

⏱️

Scheduled :15 & :45 Briefings

Eagle Watch fires automatically at :15 and :45 past each hour during market hours (7:15 AM – 4:15 PM ET) — no manual trigger required. Each briefing covers your positions, sector moves, benchmark comparison, and macro context.

🌇

End-of-Day Recap

After market close, Eagle Watch generates a full end-of-day summary covering what moved, why, and what to watch tomorrow. Saved to localStorage so it persists through the weekend — you see Friday's recap on Saturday and Sunday morning.

💬

Dig Deeper — Inline Questions

Each briefing surfaces 2–3 contextual follow-up questions embedded in the analysis text. Click any question to send it directly to the AI for an expanded answer in a popup panel — without leaving the dashboard or losing the briefing.

🗄️

Auto-Saved to Analysis History

Every Eagle Watch briefing is automatically saved to your Analysis History. Review past briefings, track how your portfolio narrative has evolved, and print any saved analysis.

📄 Tab 1 — Positions Table

📑

Full Holdings Table

Every position across all accounts in one sortable table: Symbol, Account, Sector, Shares, Live Price, Price Change $, Price Change %, Market Value, Day Change $, Day Change %, Cost Basis, Unrealized Gain/Loss $, and Unrealized Gain/Loss %.

↕️

Sortable Columns

Click any column header to sort ascending or descending — find your biggest winners, worst performers, or largest positions instantly.

🏷️

Account Color Pills

Each row shows a color-coded account badge so you can see which brokerage holds each position without reading the full name.

🎖️

Quant Grade Badges

Letter grades (A–F) from the quant scoring engine appear on each row. Click a grade badge to jump directly to that symbol's Research detail.

📈

Chart Link per Ticker

Click any ticker symbol to open the full interactive price chart for that position in its own popup window.

🔍 Tab 2 — Portfolio Exposure X-Ray

🧬

ETF Look-Through Analysis

Calculates your true exposure to underlying stocks by looking inside your ETFs (QQQM, AVUV, QQQI, VTWO, DFAU, IVW, XMMO, VXUS, VWO, NLR, etc.) and combining it with your direct holdings.

📊

Dual-Bar Exposure Charts

Stacked bars show each stock's exposure split between "via ETF" (amber) and "direct holding" (blue) — see your true NVDA, AAPL, or MSFT concentration including indirect ownership.

🔢

Top Underlying Positions

Ranks the top holdings you own (directly or indirectly) by total portfolio percentage, with exact dollar values and fund count badges for stocks you hold through multiple ETFs.

📋

ETF Holdings Registry

Shows each ETF you hold, its category, and its current value — a quick reference for what each fund is contributing to your overall picture.

⚡ Tab 3 — Two-Way Scenario Analysis

🐻

Bear Market Scenarios

Stress-tests your portfolio against six defined bear scenarios: -10% Mild Correction, -20% Bear Market, -35% Severe Bear (2022-style), -50% Crash (2008-style), +15% Rate Spike, and -40% Tech Crash. Shows exact dollar impact per scenario and per sector.

🐂

Bull Market Scenarios

Tests your upside too: +15% Rally, +25% Strong Bull, +40% Breakout, and +60% Mega Bull — so you can see potential gains alongside risks.

🤖

AI Stress-Test Narrative Claude Grok ChatGPT

After running scenarios, request an AI-written risk analysis across all three engines — each identifies vulnerabilities, names specific tickers to watch, and gives actionable mitigation recommendations. Compare perspectives side by side.

💡 Tab 4 — Tax Efficiency Advisor

🏛️

Account Placement Scoring

Rates every position on how optimally it's placed — comparing where it currently sits (Roth IRA, 401k, taxable) against where tax law says it belongs. Flags misplacements that cost you money every year.

⚠️

High-Priority Move Recommendations

Highlights the worst-placed assets with plain-language explanations of why each placement is suboptimal and what the tax consequence is (ordinary income vs. qualified dividends, Roth tax-free growth, etc.).

🗂️ Tab 5 — Portfolio Overlap Analysis

🔁

ETF Overlap Detection

Identifies stocks held in more than one ETF, or stocks held both directly and inside an ETF — surfacing hidden concentration risk that single-ETF views miss entirely.

📊

Overlap Percentage Bars

Each overlapping stock shown with the percentage of your portfolio it represents across all ETFs combined — including which specific funds contribute the exposure.

📋

ETF Holdings Registry

Shows each ETF in your portfolio with its top underlying holdings, sector classification, and current value — a quick reference for what each fund is actually contributing.

📌 Four Allocation Views

🏷️

By Asset Class

Breaks your portfolio into broad asset classes — equities, fixed income, cash, metals, and alternatives — showing value and percentage for each. Instantly see if your overall mix matches your target allocation.

🏭

By Sector

Groups all positions by sector (Technology, Healthcare, Energy, Financials, etc.) weighted by your actual market values. Identifies concentration risk and sector gaps at a glance.

🏦

By Account

Shows allocation across each brokerage account — Schwab Solo 401k, Roth IRA, Wealthfront taxable, E*Trade, and any others synced. Know exactly where each dollar lives across your full account structure.

📋

By Holding

Position-level breakdown showing every individual holding as a percentage and dollar value of your total portfolio — sorted by weight. Your true single-position concentration view.

🔀 Display Controls

💲

Dollar / Percentage Toggle

Switch between viewing allocations as dollar amounts or percentages with a single click — both views available for all four allocation tabs.

🥧

Pie Chart Modal

Click the pie chart icon to open a visual donut chart for whichever allocation view is active — a clean visual summary of your breakdown with color-coded segments and a legend.

📌 Month Summary Bar

✅

Paid This Month

Total dividend income already received in the current month, sourced from Tradier account history and Yahoo Finance dividend data.

⏳

Upcoming This Month

Projected payments still due this month based on ex-dividend dates and estimated pay dates — so you know what's on its way.

📆

Month Total

Combined paid + upcoming for the current calendar month — your full monthly income picture.

📊

Annual Run Rate

Projected annual dividend income based on current positions and distribution rates — and your yield on cost basis.

📅 Tab 1 — Calendar View

🗓️

Monthly Income Calendar

Dividend payments laid out by pay date on a calendar grid — see exactly when money arrives. Paid items shown in green, upcoming in amber, with per-share rate and total dollar amount.

📋 Tab 2 — List View

📑

Itemized Dividend List

Every dividend event for the month in a simple table — symbol, ex-date, pay date, per-share amount, your shares, and total received or expected. Useful for reconciling brokerage statements.

📈 Tab 3 — Annual Projection

🔭

12-Month Forward Projection

Estimates the next 12 months of dividend income from every holding, broken out by symbol with frequency detection (monthly, quarterly, annual). Shows annual total and average monthly income.

📉

Month-by-Month Income Bars

Bar chart view of projected income by calendar month — visualize seasonality and gaps in your income stream across the year.

⚡ Tab 4 — Dividend Stress Test

✂️

Cut Scenarios

Models the impact of distribution cuts at -25%, -50%, and -75% levels across your income portfolio — shows exactly how many dollars per month you'd lose and which holdings are most exposed.

🤖

AI Dividend Risk Analysis Claude Grok ChatGPT

Request an AI-generated dividend income assessment covering concentration risk, frequency mix, coverage ratios, and specific recommendations for each income holding. Run all three engines for independent takes on your income portfolio.

💡 Tab 5 — Tax Character

🏛️

Qualified vs. Ordinary Income Classification

Labels each holding's dividend as qualified (lower tax rate), ordinary income (full rate), or return of capital — critical for understanding the true after-tax yield of each position.

⚠️

Account Placement Warnings

Flags income-heavy positions sitting in taxable accounts (like QQQI in E*TRADE) with plain-language explanations of the tax cost and recommended account moves.

🤖 Tab 6 — AI Analysis Claude · Grok · ChatGPT

📝

Comprehensive AI Income Report

Full AI-written dividend portfolio analysis covering every holding — sustainability assessment, yield quality, concentration risk, income growth potential, and specific actionable recommendations. Choose Claude, Grok, or ChatGPT for independent perspectives on your income strategy.

📌 Overview Tab — Income & Wealth Snapshot

💵

Total Monthly Income

Combines all income sources: portfolio withdrawals, Social Security, W-2 wages, self-employment, and extra income — your real monthly cash flow picture.

📊

Portfolio Value & Years to Depletion

At current withdrawal rate, how many years until the portfolio is exhausted — a critical planning anchor tied to your target depletion age.

🏦

Income Source Breakdown

Itemized view of every income stream with dollar amounts — Social Security, safe withdrawal, W-2, self-employment, and supplemental income tracked individually.

📉

Annual Withdrawal & Depletion Date

Shows the annualized draw from the portfolio and the projected depletion year based on current spending — adjustable in real time.

🧮 Drawdown Calculator Tab

💵

Portfolio & Income Inputs

Enter your starting portfolio value (auto-populated from your live positions), Social Security monthly income, and other monthly income — the calculator builds your full monthly cash flow picture combining portfolio draw plus all income sources.

🎚️

Monthly Draw Slider

A live slider controls your monthly portfolio withdrawal amount ($0–$5,000 in $50 steps). The total monthly income updates in real time as you drag — instantly see how draw amount affects your total income.

📐

Growth & Inflation Assumptions

Set five independent parameters: pre-retirement growth rate (while accumulating), post-retirement growth rate (while drawing), annual inflation rate (applied to draw), current age, and target depletion age — all adjustable via sliders.

🎯

Max Safe Draw Calculation

Binary-search algorithm calculates the exact maximum monthly withdrawal that keeps the portfolio funded through your target depletion age — shown in green if your current draw is within it, red if you're over.

📉

Depletion Age & Total Drawn

Shows the projected age at which the portfolio hits zero under current assumptions, and the total lifetime dollar amount drawn — critical anchors for retirement planning.

🎲

Monte Carlo Simulation (500 Runs)

Toggle Monte Carlo mode to run 500 randomized market-return simulations. Results show the probability your portfolio survives to your target age, displayed as a histogram of outcomes from worst-case to best-case with a median line.

📋 Symbol List Panel

📊

Holdings Mode — Your Positions

Lists every position you currently own, with today's change %, account label, and quant grade badge. Click any symbol to load its full research detail on the right.

🔭

Watchlist Mode

Switch to a watchlist view of symbols you're tracking but don't yet own — for pre-buy research and monitoring candidates.

🎖️ Quant Scoring Engine

🅰️

Letter Grade (A–F)

Each position receives an overall quant grade automatically — a composite of momentum, volume trend, relative strength, and volatility factors.

📏

Factor-Level Breakdown

The detail panel shows individual bars for each scoring factor with raw values — so you know exactly why a stock scores well or poorly, not just the headline grade.

💰

Position Size & P&L Detail

For each selected symbol: current price, total shares, market value, cost basis, unrealized gain/loss in dollars and percent — all in one panel.

📰

Chart & News Quick Links

Jump directly from any symbol's research panel to its price chart or news page — no need to manually type the symbol elsewhere.

🤖 AI Analysis Modes Claude · Grok · ChatGPT

🎯

Single Position Analysis

Deep-dive analysis on one selected holding — fundamentals, technicals, sector outlook, and fit with your specific investor profile. Choose Claude, Grok, or ChatGPT — each brings a different analytical perspective to the same position.

📋

Full Portfolio Analysis

Sends your complete portfolio — every position, account, cost basis, and full investor context — to the AI for a comprehensive portfolio-level assessment covering allocation, risk, benchmark performance, and strategy. All three engines available.

⚖️

Rebalancing Recommendations

AI evaluates your current weights vs. your stated goals and generates specific buy/sell/trim suggestions with target allocation reasoning — actionable, not generic. Grok adds real-time market context to its rebalancing calls.

👤

Personal Context Mode

Type any free-form question and send it with your full investor context pre-loaded — goals, risk tolerance, constraints, time horizon. The AI answers with full awareness of who you are and what you're trying to achieve. Every response is saved to Analysis History.

💬 Multi-turn Chat Interface

🗣️

Full Free-Form Text Input

Type any question in plain English — there are no preset templates or dropdowns to constrain you. Ask about a specific position, a macro scenario, a rebalancing idea, or anything on your mind. Shift+Enter adds a line break; Enter sends.

🌊

Streaming Response

AI responses stream word-by-word as they're generated — no waiting for a long answer to finish before you start reading.

🔁

Persistent Conversation History

Every exchange in the session is remembered — ask follow-up questions, request clarification, or go deeper without re-explaining your situation each time.

🕯️ Candlestick Chart

📊

Five Timeframes: 1D · 5D · 30D · 90D · 6M

1D = 2-minute candles (intraday via Tradier, includes pre-market). 5D = 15-minute candles. 30D = 4-hour candles. 90D = daily candles. 6M = daily candles from Yahoo Finance. EMAs seeded with 200 days of history for accuracy on all timeframes.

🔍

Zoom & Scroll

Pinch, scroll, or drag the chart to zoom and pan. The time axis adjusts dynamically — inspect any specific period in detail.

📌

Crosshair & Tooltip

Hover to see OHLC values for any candle. The RSI chart crosshair is synchronized with the price chart — they move together.

📐 Technical Indicators

🟡

EMA 8 (Amber)

8-period exponential moving average — fast momentum signal for short-term trend direction.

🔵

EMA 20 (Blue)

20-period EMA — the standard medium-term trend line used by active traders and swing traders.

🟣

EMA 50 (Purple)

50-period EMA — widely watched by institutional traders as the line between bull and bear territory.

🟠

VWAP (Orange, 1D only)

Volume-Weighted Average Price — the institutional benchmark for intraday fair value. Resets each session. Only shown on 1-day view.

📉

RSI (14) — Separate Panel

14-period Relative Strength Index displayed in a linked sub-chart below the price chart. Overbought (70) and oversold (30) reference lines included. Synchronized crosshair with price chart.

📰 Live News Strip

🗞️

Scrolling Headline Ticker

A horizontal strip of the latest news headlines for the charted symbol appears just below the toolbar — click any headline to open the full article. Loaded from Yahoo Finance automatically when you load a symbol.

🤖 AI Analysis Panels Claude Grok ChatGPT

🧠

Claude Technical Analysis

Sends actual calculated indicator values (EMA levels, RSI reading, VWAP position, last 5 candles, news headlines) to Claude for a structured technical writeup: Trend & Momentum, RSI Reading, Key Levels, Near-Term Outlook, Catalysts, and Portfolio Fit.

⚡

Grok Technical Analysis

Same indicator data sent to Grok, which additionally searches the web for today's news on the symbol — bringing real-time catalyst context. All three AI panels run independently so you can compare perspectives across engines.

🟢

ChatGPT Technical Analysis

OpenAI's GPT-4o receives the same indicator snapshot and delivers its own technical assessment — macroeconomic framing, risk factors, and near-term outlook from a third independent model.

📊 Compare Mode

🔀

Multi-Symbol Normalized Overlay

Enter 2–3 symbols to compare their normalized percentage returns on a single chart — all lines start at 0% so you see relative performance directly. Switch to any timeframe to compare 1D, 5D, 30D, 90D, or 6M performance side by side.

💹 Quote Strip

💲

Live Quote Header

The top bar shows live price, day change $ and %, dividend yield, and ex-dividend date for the loaded symbol — all the key quote data without leaving the chart page.

🗞️ Recent Headlines

📋

Yahoo Finance News Feed

Pulls the 8 most recent news articles for any ticker from Yahoo Finance — publisher name, headline, and timestamp. Each headline links directly to the full article in a new tab.

⏱️

Relative Timestamps

Articles are shown with relative age ("2h ago", "1d ago") so you can instantly gauge how fresh the news is.

🤖 AI News Summary Claude

📝

Streaming AI Sentiment Summary

Claude reads all recent headlines and writes a 3–4 sentence investor-focused summary covering current sentiment, key themes, and what matters for the stock — streamed live so you see it appear word by word.

🔍

Parallel Loading

Headlines and AI summary load simultaneously — you see news appearing while Claude is still writing, with no waiting for one to finish before the other starts.

🔗 Deep Links from Chart Page

Tip: The News page accepts a ?symbol=NVDA URL parameter — clicking "Full News" from the chart headline strip opens News pre-loaded for that symbol automatically.

🔀 AI Provider Toggle

🟣

Claude (Anthropic) Claude

Anthropic's Claude model — thoughtful, nuanced, long-form analysis. Excellent for portfolio strategy, tax implications, and detailed reasoning about complex trade-offs.

⚡

Grok (xAI) Grok

xAI's Grok model with real-time web access — ideal for current events, latest earnings, analyst calls, and anything where up-to-the-minute information matters.

🟢

ChatGPT (OpenAI) ChatGPT

OpenAI's GPT-4o model — strong macroeconomic framing, risk assessment, and broad financial reasoning. A third independent perspective that rounds out the analytical picture from Claude and Grok.

🎯 Analysis Mode Selector

📌

Full Portfolio Mode

Sends your complete portfolio snapshot — all positions, market values, gains/losses, sector breakdown, account structure, and full investor context — as the opening context for the conversation.

🔍

Single Position Mode

Select one of your holdings from the position bar to focus the AI on that specific stock or ETF — its weight, cost basis, sector, and account — for targeted advice.

💬 Multi-turn Chat Interface

🗣️

Persistent Conversation History

Every exchange in the session is remembered — you can ask follow-up questions, request clarification, or go deeper without re-explaining your situation each time.

🌊

Streaming Response

AI responses stream word-by-word as they're generated — no waiting for a long answer to finish before you can start reading.

🗑️

Clear & Reset

Clear the conversation history at any time to start a fresh analysis session without leaving the page.

⌨️

Enter to Send / Shift+Enter for Newline

Standard keyboard shortcuts — Enter sends your message, Shift+Enter adds a line break for multi-paragraph questions.

🧠 Investor Context System Prompt

📝

Personalized AI Instructions

Before every analysis, the AI receives your full investor context — age, goals, risk tolerance, preferred sectors, account rules, income situation, and explicit constraints (e.g., "do not recommend selling NVDA"). Responses are tailored to you, not generic.

⚙️

Edit My Context (Settings menu)

Update your investor context at any time through the Settings gear menu — changes are saved to your positions file and immediately influence all future AI responses.

📋 History List

🕐

Last 50 Analyses Stored

Every AI analysis — regardless of which engine ran it or which page triggered it — is automatically saved with a timestamp, analysis type label (Portfolio, Position, Rebalancing, Eagle Watch, etc.), and the AI engine used.

🔍

Click to View Full Text

Click any entry in the history list to open the full analysis in a modal viewer — complete formatted text exactly as it was generated, including any follow-up Q&A that was part of that session.

🖨️ Print & Review

🖨️

Printable Analysis Reports

Each saved analysis can be printed directly from the viewer modal — useful for record-keeping, sharing with a financial advisor, or reviewing offline. The print layout is clean and formatted for readability.

📅

Track Portfolio Narrative Over Time

Review how the AI's assessment of your portfolio has changed week over week — compare a month-ago briefing against today's to see how your risk profile, sector exposures, and position strengths have evolved.

Your PersonalInvestment Command Center

Your Personal
Investment Command Center