Ponderfolio
Ponderfolio · Portfolio analysis copilot
Let AI think with you, not for you
Every side weighed. Every call yours.
Ponderfolio gathers the evidence on your portfolio — technical, fundamental, news and macroeconomic — weighs it, and produces a reading you can follow step by step. It doesn't decide for you, and it never will: that's the product, not a limitation.
Ponderfolio is not a product: it is a tool its owner built for himself and his family. It is not offered, not sold, and accepts no sign-ups.
How it works
Three steps, no black box
You write the ledger
Transactions are entered by hand, with no broker connection. Nothing computed is stored — positions, cost, weight and exposure are derived from the ledger every time, so fixing one date fixes everything.
The evidence gets weighed
Every reading arrives with what weighs for it, what weighs against, and the open contradictions. Tensions are named, not resolved to sound firmer than they are.
The decision is yours
Every conclusion carries its steadiness — how much confidence it deserves given what's known and what's missing. What isn't known is said, up front.
What you find inside
All of this works today
A portfolio derived from the ledger
Positions, average cost, gain and weight come from your transactions every time. Fixing one date fixes everything, on every screen.
Return with time factored in
Annualised by internal rate of return, not gain over cost — money added three years ago isn't the same as money added last month.
Concentration and exposure
How many even positions your portfolio actually behaves like, and how it splits by sector, country, currency, broker and person.
Steadiness on every figure
How much confidence each reading deserves given what's known and what's missing. You see it before reading a word — stale things look paler.
Long term and short moves, separated
Ballast and Swing aren't measured the same way. Mixing them into one figure distorts both.
Tax summary with FIFO lots
The year's sales matched against the oldest purchases, short and long term, and dividends with withholding by country.
What it doesn't do
Said as loudly as what it does
Worth saying before the virtues — if you're looking for any of these, this isn't your product, and it's better to know now.
It doesn't say buy, sell or hold.
It doesn't predict the market. It shows ranges of outcomes with their assumptions printed alongside, never a single number.
It doesn't connect to your broker. It has none of your credentials and can't place orders.
It promises no return, calls nothing safe, and sells nothing.
I don't want AI to invest for me. I want it to think with me.
Ponderfolio is a personal and family instrument built inside Kalince Holding. It is not for sale and is not offered to third parties — it is shown here because it explains how we think about software, not to gather users.
Ponderfolio is a personal and family tool belonging to its owner, not a financial, investment or tax advisory service. Depending on the level its user chooses, it may point in a direction and propose an order, always on statistical analysis that is shown and always noting that no order has been placed: it connects to no broker and can execute nothing. It guarantees no outcome, and every investment decision — and its risk — belongs to whoever makes it.