Short answers about what the site does, which numbers to enter, how grades work, the price and your privacy.
It shows how your investment account has really done compared with the market. You enter the month-end balance and any deposits or withdrawals from each statement, and your report compares the account's return with up to three indexes, such as the S&P 500, with a letter grade from A+ to F.
Anyone with an account they'd like to check: one an advisor manages, a 401(k) or IRA, or one you run yourself. Adult children helping a parent check an advisor use it too.
No. You never connect your brokerage account or share a password with us. You type in a few numbers from your statements, so we only ever see what you choose to enter.
Yes, as many as you like at no extra cost. Add each brokerage account as its own portfolio, and each gets its own report card.
Look for the account summary, usually near the top of the first page. The number you want is the total for the whole account at the end of the month, often called "ending value", "total account value" or "closing balance". See a marked-up sample statement.
Money you put into the account: a transfer from your bank, a contribution, or money moved in from another of your accounts. In a 401(k), your employer's match counts too. Enter each one with its date. Where to find them.
Money taken out of the account: a transfer to your bank, a distribution, or money moved to another account. Enter each one with its date. Where to find them.
No. Dividends and interest are earnings, and fees come out of your return; both are part of how the account did, which is what the report card measures. Buying and selling inside the account doesn't count either. What not to enter.
The site needs a balance for every month. Most brokerages show each month-end value on their website, usually under "Balances" or "History", even when they mail statements quarterly.
Two month-end balances make your first report. Enter a balance for every month after that, with no gaps. Grades start once a period covers at least three months; shorter ones show "I" for incomplete.
As far as your statements go. Enter older balances and the report covers the whole life of the account, plus each calendar year and the last 3, 6, 12, 24, 36 and 48 months.
Your account's return is compared with the average return of the indexes you picked, over the same months. Beat them by 5 percentage points a year or more and it's an A+; trail by more than 6 and it's an F. Periods shorter than a year compare total returns instead of yearly ones.
Yes. Each index is measured with a fund that tracks it (for example SPY for the S&P 500), using prices adjusted for dividends, so the comparison is fair to the market.
More than two dozen, including the S&P 500, the Dow, the NASDAQ, the Russell indexes, international stocks, US sectors, real estate, bonds and Treasury bills. Pick up to three for each portfolio. See how they've done.
Yes. Deposits and withdrawals are taken out of the calculation, so the return shows what your money earned, not what you added.
Yes. Download any report as a PDF to print, email or bring to your annual review. Our free review checklist helps with that meeting.
See a sample report for a made-up portfolio, with real market figures.
$6.99 a month after a 30-day free trial, for all your portfolios and reports.
Yes, you enter a card with Stripe when you sign up, but you aren't charged until the 30 days are up. Cancel before then and you pay nothing.
You can see all your reports during the trial; PDF downloads start once it ends. If you want PDFs sooner, use "start your subscription now" on the Subscription page.
Anytime: open Subscription in the menu and choose Manage subscription. There's no phone call or form.
Yes. Once a month, when a balance is due, we email you a short reminder with a link to enter it. You can turn it off in Account settings or with the link in the email.
The site uses encrypted connections, passwords are stored only in scrambled form, and your data is shown only to you. We never see your card number; Stripe handles payments.
No. We don't sell or rent your information. It's shared only with the companies that run the service for us: Microsoft Azure (hosting) and Stripe (payments). Read our privacy policy.
No. The account number is optional; if you add one, the last few digits are enough to tell your accounts apart.
No. Investor's Report Card measures how an account has done; it doesn't recommend what to buy or sell, or whether to keep an advisor.
Yes, from Account settings. That deletes your portfolios, statement numbers and reports, and cancels your subscription.
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