roastfolio

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Your return today
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Today vs benchmarkSince previous close
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Roastfolio says
Total value
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Portfolio vs benchmark · Since previous close

Returns since each instrument's previous close, including overnight price gaps. The chart shows the benchmark session using current holdings, constant FX and minute bars delayed by 15 minutes. A first print up to 15 minutes late may be used as the opening quote, as noted below, without changing the previous-close baseline. The daily gauge also measures from the previous close, but includes FX changes and uses separately fetched quotes, so its values and update times can differ from this chart. Waiting for minute bars…
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Benchmark
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Under the surface

ATH pending nightly snapshot
Awaiting ATH30-day low —
About depth

The diamond marks the live portfolio's drawdown from its recorded ATH. At or above ATH: Relax. Down to −5%: Explore. Below −5%: Danger. Snorkeling changes to scuba below −2%.

The 30-day low uses available daily snapshots relative to the ATH at each point in time, including a deeper current drawdown. The linear scale expands for larger losses. Scenery is a metaphor, not a risk rating or trading advice.

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Last 6 months

Summary

Monthly Return
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Benchmark Comparison
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Retirement Goals
Monthly Deposit—
0%
Monthly Return—
0%
— Waiting for live prices… —

Wallets

Selected wallet

Select a wallet

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— — today
Annual return
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From all-time high
—Waiting for ATH
Inside
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Allocation

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Holdings

Live value, allocation, and quick trade actions.
CompanySharesValueTodayAlloc

Total Portfolio

Holdings

CompanyPrice (PLN)TodayYTDCurrent Value (PLN)Purchase Value (PLN)Profit / Loss (PLN)Total ReturnPortfolio %

Total · value

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— — selected range
Invested capital
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Deposits in range
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Market gain in range
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  • Value
  • Invested capital
  • Deposit

Return

Cumulative return and account benchmark in one view.

Monthly bars

Net gain or deposits for each month.

Daily change

Scatter of up to 90 closing sessions.

Performance & risk

Statistics

Records

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Records cover all wallets. Portfolio ATH uses recorded value, including deposits. Underwater charts use cash-flow-adjusted unit-price HWM instead. Monthly and daily results retain their existing calculation methods.

All time

Monthly

Daily

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Monthly portfolio returns are compared with each benchmark over the matching period. Unavailable returns remain blank. Win counts exclude periods without a comparable result.

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Unit price removes the effect of deposits. HWM is the highest unit price reached so far. A lake starts below HWM and ends on recovery. The valuation path uses the chosen range; the selected lake has its own dates and X axis.

The Deepest Trench
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Waiting for data
The Widest Swamp
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Waiting for data

Valuation Path vs High-Water Mark

The Lakes (Underwater Drawdown %)

Click a lake on the left chart
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Switch between percentage return and PLN net gain for the selected portfolio. Missing months are not zero. The heatmap retains the existing return methodology.

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Monthly or daily snapshots show portfolio value, invested capital, net gain, return and annualized XIRR. XIRR is money-weighted and is not directly comparable with a single-period return.

Retirement Forecast

See if your money lasts

Compare your real portfolio history with a theoretical saving path from your investing start date, then see two futures from today: one from the real balance and one from the projected balance.

Ready
Retirement timing: —
Saved plans
Projection chart

Past + future in one view

Live preview
100% of full height
Not needed at full height
Quick focus
Use Y zoom + Y scroll to inspect the lower part of the chart when the forecast shoots much higher than today.
Retirement begins —
Actual path outlook —
Monthly spending —
Average life expectancy in Poland is 78,6. I gave you 10 extra years because apparently your retirement plan also wants plot armor.
Blue shows your real history. Dashed blue is a monthly-compounded theoretical path from your investing start date using your pre-retirement yearly return. Green projects forward from the real balance today, and purple projects forward from the theoretical balance today. Simulation bands Current method: the baseline path compounds monthly, adjusts retirement spending for inflation, and now deducts annual portfolio fees. The bands use a deterministic seeded Monte Carlo with mild / weak / stress monthly regimes, so the same assumptions always produce the same P10 / P50 / P90 result. It is still a simplified single-portfolio model, but it is closer to institutional planning than a plain bell-curve path.
Quick summary

What this plan says

Actual value today
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Actual path at retirement
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Actual path at age 88.6
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Retirement runway
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Spending support
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Confidence view
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Age 88.6 check
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Historical range
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Plan setup

Keep it simple

Start with your birth date, when you began investing, the age you want to retire, monthly contribution, expected growth, and retirement spending. The app translates that retirement age into the date of your birthday automatically.

Use any name that helps you compare scenarios.
Used to calculate real ages and the age-88.6 target date.
This sets the start of the projected historical path.
If you enter 50, the plan uses the date of your 50th birthday.
How much you plan to add each month before retirement.
Expected yearly growth while you are still investing.
Expected yearly growth once withdrawals begin.
How much you want the portfolio to cover each month.
More controls
Optional inputs for a more detailed scenario. You can ignore these and still get a solid forecast.
Investment activity

Transactions

Values retain their ledger signs. Turnover includes Buy and Sell only.

This Month's Turnover
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YTD Turnover
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All-Time Turnover
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Transaction Activity

LessMore turnover DepositWithdrawal

Monthly Turnover

Buy + Sell · PLN

Transaction History

Date
Operation
Value · PLN
DateOperationAssetWalletUnitsPrice · PLNCommissionValue · PLNActions

Asset Analysis

Select asset

Favorites

No asset selected

Select an asset

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Price history

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Price history reflects the selected period. Period return measures the change between its first and last available prices, not your personal portfolio return.

Volume is the number of shares traded per bar. MA10, MA20 and MA50 average the last 10, 20 and 50 bars. Bar duration depends on the selected range. MACD compares 12- and 26-bar exponential averages with a 9-bar signal. These indicators do not predict future returns.

Trade markers belong to the selected wallet scope. Missing prices and statements are not zero values.

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Markers show transactions from all wallets.

Fundamentals

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Market cap is the value of outstanding shares. P/E compares price with earnings; forward P/E uses estimated earnings. Dividend yield relates annual dividends to the share price.

The 52-week high and low describe the past year's price range. Fundamentals can use different reporting dates and may be unavailable for some assets.

Sector
The broad industry group the company belongs to. Mixing sectors reduces single-industry risk and helps diversify your portfolio.
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Market Cap
The total value of all outstanding shares. Large-cap companies are usually more stable; small-cap names can grow faster but are more volatile.
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P/E Ratio
Price-to-earnings ratio: the stock price divided by annual earnings per share. Lower values can mean better value; higher values usually imply stronger growth expectations.
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Fwd: —
Dividend Yield
The annual dividend as a percentage of the share price. It shows the cash income you can expect from owning the stock, before price changes.
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52-Week High
The highest share price reached in the last year. It helps show how much momentum the stock has had and how close it is to its recent peak.
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52-Week Low
The lowest share price reached in the last year. It helps show the recent downside range and how much room the stock has to recover.
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