PerfingoThe loop · 04 · Investment
Your portfolio, read honestly.
Log your holdings and see your true, money-weighted return, your allocation read seven ways, your dividends and neutral concentration flags, with the working shown. Never a product to sell you.
Cancel before day 14, no charge
The return that matters is yours.
Headline returns ignore when you bought and sold. XIRR doesn't. It's money-weighted, based on the timing of every buy, sell and dividend. See your mix across seven dimensions, including an honest FX read.
S$1,040 in dividends over the last 12 months · ~S$1,080/yr projected (estimate).
Illustrative figures from the app's demo household.
On your side of the table
An honest read. We don't sell products.
Most "insights" exist to move you into something. Perfingo takes no commissions and lists nothing to buy. The reading is the product.
Flags, with the working
A concentration flag names the holding, the exact threshold it crossed, and stops there. No "you should rebalance," no benchmark you're being measured against.
Estimates labelled as estimates
Projected dividend income says "estimate." Prices sync when you refresh, not a ticker to obsess over. We'd rather be honest than impressive.
You log it, you own it
Holdings are yours to record, including CPF and cash, which most trackers ignore. One honest picture across everything you actually hold.
Keep going
The rest of the loop
Investment is one of four steps. Together, they turn your plan into a monthly routine.
Know your true return.
Log your holdings and see allocation, XIRR and dividends read straight. Nothing to sell you.
Cancel before day 14, no charge