Pensiunan

What this bot targets and filters — full transparency.

How the Bot Works

The bot runs paper trading (virtual money) on Interactive Brokers via IB Gateway. Every day at 09:30 ET (20:30/21:30 WIB) it fetches live market data from IBKR, runs an AI hedge-fund analysis (agents: Warren Buffett, Valuation, Fundamentals, Technical, Sentiment, Risk Management, Portfolio Manager — powered by AI over yfinance fundamentals and price history), then executes orders only for the tickers you pick on the Settings page.

The engine's decisions come from a daily AI hedge-fund analysis that runs on a live IBKR paper account (virtual money, delayed market data — orders only fill during US market hours ~09:30–16:00 ET). The home page shows a read-only demo of that analysis; your own portfolio applies the same decisions to your virtual capital.

My Portfolio — the Virtual Multi-User Service

Beyond the shared bot, every visitor can run their own virtual portfolio. A six-question quiz (Onboarding) assigns a risk profile — Conservative, Moderate or Aggressive — which sets your guardrails: per-ticker and per-segment caps plus soft / hard drawdown stops. You then set your own per-ticker allocation plan on the Portfolio page; segment weights are auto-summed from your ticker weights, never set directly.

After each daily analysis the engine steers every planned ticker toward your capital × your %: a new position opens only on an AI BUY signal, an AI SELL closes it and removes the ticker from your plan, and held positions are maintained or trimmed toward target (trims never change your plan). Drawdown is checked on every run — crossing the soft stop warns you; the hard stop closes everything and halts trading (you can reset the baseline and continue). You can pause / stop the service, sell manually, and deposit or withdraw virtual cash at any time.

All of this is a simulation inside this dashboard — no real funds, no brokerage accounts, nothing pooled. Per-user portfolios are tied to your Pensiunan account (email + password).

Large-Cap · 13 tickers

Established mega/large-cap US names — the stable core of the watchlist (NVDA itself sits here; its partners are under NVIDIA Ecosystem).

TickerNotes / screening
AAPL—
GOOGL—
MSFT—
AMZN—
TSLA—
NVDA—
META—
NFLX—
BABA—
V—
PLTR—
CRWD—
AMD—

Growth/Small-Cap · 8 tickers

Higher-volatility growth and small-cap names — bigger swings, bigger drawdowns, thin positions on a $1,000 budget.

TickerNotes / screening
RCAT—
HIMS—
DUOL—
IONQ—
RKLB—
ASTS—
DLO—
AMBA—

NVIDIA Ecosystem · 15 tickers

Companies that ride the AI-infrastructure buildout around NVIDIA: networking, optics, packaging/test, semi-cap equipment, power/cooling, data centers, and HBM memory (MU is the US-listed memory play — SK Hynix/Samsung are Korea-listed and unavailable on this account).

TickerNotes / screening
VRTVertiv — data-center power/cooling
TSMTaiwan Semiconductor ADR — AI foundry
MRVLMarvell — AI networking/optical
LITELumentum — optical components
COHRCoherent — optics/photonics
APHAmphenol — connectors
NVTnVent — electrical/cooling
TERTeradyne — semi test
AMKRAmkor — packaging (OSAT)
ASMLEUV lithography (NL ADR)
AMATApplied Materials — semi-cap
LRCXLam Research — semi-cap
KLACKLA — process control
EQIXEquinix — data centers
MUMicron — memory/HBM

Broad-Market ETF · 7 tickers

One-ticker diversification: S&P 500 (SPY/VOO), Nasdaq 100 (QQQ/QQQM), small caps (IWM), emerging markets (EEM), all-world incl. developed+EM (ACWI).

TickerNotes / screening
SPYS&P 500 index
QQQNasdaq 100
IWMUS small-cap (Russell 2000)
EEMEmerging markets
VOOS&P 500 · ER 0.03%
ACWIAll-world (developed+EM) · ER ~0.32%
QQQMNasdaq 100, low-cost share class · ER 0.15%

Growth & Momentum ETF · 5 tickers

Style-factor funds: large-cap growth (VUG/SCHG), technology sector (VGT), and momentum (SPMO/FMTM). Higher expected growth, higher volatility.

TickerNotes / screening
VUGUS large-cap growth · ER 0.04%
SCHGUS large-cap growth · ER 0.04%
VGTInformation technology sector · ER ~0.09%
SPMOS&P 500 momentum · ER ~0.12%
FMTMMomentum factor · actively managed

Dividend ETF · 5 tickers

Dividend-quality and dividend-growth funds — see the per-ticker notes.

TickerNotes / screening
VYMHigh dividend yield, 600+ stocks · ER 0.04%
SCHDQuality + consistent dividends screen · ER 0.06%
DGRODividend growth (raisers) · ER 0.08%
NOBLS&P 500 Dividend Aristocrats (25+ yrs of raises) · ER 0.35%
SPYDS&P 500 High Dividend, equal-weight · ER ~0.07%

Monthly Income ETF · 3 tickers

Covered-call income funds paying MONTHLY (JEPI/JEPQ/QQQI, ~8-12% yields). Income comes from selling call options: upside in rallies is capped, and NAV can lag the index over time.

TickerNotes / screening
JEPICovered call, ~8% monthly income (capped upside) · ER 0.35%
JEPQNasdaq covered call, monthly pay · ER 0.35%
QQQINasdaq covered call (NEOS), monthly pay

Weekly Income ETF · 4 tickers

⚠ HIGHEST YIELD, HIGHEST RISK in this catalog: 0DTE / weekly covered-call funds (QDTE/RDTE/ISPY/IQQQ) paying every week. The yield can be paid partly OUT OF YOUR OWN CAPITAL (NAV erosion), upside is capped in rallies, losses in selloffs are NOT capped, fees are high, and the headline yield is not sustainable. Treat as an income experiment with money you can afford to lose. (True DAILY-pay equity ETFs don't exist — daily distributions are money-market fund territory.)

TickerNotes / screening
QDTENasdaq-100 0DTE covered call, WEEKLY pay · high ER, high risk
RDTES&P 500 0DTE covered call, WEEKLY pay · high ER, high risk
ISPYS&P 500 weekly covered call (ProShares)
IQQQNasdaq-100 weekly covered call (ProShares)

Single-Stock Income ETF · 11 tickers

⚠⚠ EXTREME RISK — hottest products in this catalog: YieldMax-style synthetic covered calls on a SINGLE stock (AMDY/NVDY/TSLY/APLY/AMZY/GOOY/MSFY/TSMY), paying WEEKLY with headline yields of ~40–70%. The income is largely option premium + return of capital: NAV decay is structural (total return is often NEGATIVE despite the big payouts), you carry the single stock's full downside with capped upside, and fees are high. These are income EXPERIMENTS with money you can afford to lose — not dividend investing. (They pay weekly, not daily; true daily distribution remains money-market territory.)

TickerNotes / screening
AMDYYieldMax on AMD · WEEKLY pay · extreme yield, extreme NAV-decay risk
NVDYYieldMax on NVDA · WEEKLY pay · extreme yield, extreme NAV-decay risk
TSLYYieldMax on TSLA · WEEKLY pay · extreme yield, extreme NAV-decay risk
APLYYieldMax on AAPL · WEEKLY pay · extreme yield, extreme NAV-decay risk
AMZYYieldMax on AMZN · WEEKLY pay · extreme yield, extreme NAV-decay risk
GOOYYieldMax on GOOGL · WEEKLY pay · extreme yield, extreme NAV-decay risk
MSFYYieldMax on MSFT · WEEKLY pay · extreme yield, extreme NAV-decay risk
TSMYYieldMax on TSM · WEEKLY pay · extreme yield, extreme NAV-decay risk
YMAXYieldMax fund-of-funds (all YieldMax ETFs) · WEEKLY pay · diversified decay
MSSTYieldMax MSFT Target 25™ (Nov 2025) · WEEKLY pay · 25% target distribution
NVITYieldMax NVDA Target 25™ · WEEKLY pay · 25% target distribution

Bonds & Gold ETF · 3 tickers

Defensive sleeves: US aggregate bonds (AGG), inflation-protected Treasuries (TIP), gold (GLD).

TickerNotes / screening
GLDGold
AGGUS aggregate bonds
TIPTIPS inflation-protected Treasuries · ER ~0.19%

Crypto ETF · 4 tickers

Spot BTC/ETH exposure via ETFs — direct crypto (CRYPTA/Paxos) is NOT available on this paper account. Decisions for this segment pass an additional deterministic Crypto Filter (Fear & Greed Index + SMA200 trend): buys are blocked under a broken trend or at extreme greed; shorts are blocked in an uptrend with extreme fear. Crypto is 24/7 and volatile — expect large swings.

TickerNotes / screening
IBITiShares Bitcoin Trust — spot BTC
FBTCFidelity Bitcoin Trust — spot BTC
ETHAiShares Ethereum Trust — spot ETH
FETHFidelity Ethereum Trust — spot ETH

Sharia ETF · 3 tickers

ETFs whose indices are screened for sharia compliance (screening explained below).

TickerNotes / screening
SPUSS&P 500 Sharia Industry Exclusions · ER 0.45%
HLALFTSE USA Shariah (AAOIFI screen) · ER ~0.40%
UMMADow Jones Islamic World · ER 0.65%

Sharia ETF Screening

What does the sharia screening of the Sharia ETFs mean?

Islamic indices (e.g. S&P 500 Sharia, FTSE USA Shariah, Dow Jones Islamic) screen companies with roughly these criteria:

CriterionCommon rule
Excluded sectorsRemoved: conventional finance (riba), alcohol, gambling, tobacco, pork, adult entertainment, other non-halal defense
Financial ratiosInterest-bearing debt < ~33% of market value; interest-bearing assets (cash/interest) < ~33–40%; receivables < ~33–49%
PurificationAny non-halal income portion is donated — some funds do this automatically

Screening standards follow AAOIFI / S&P / FTSE per each ETF's index. This bot merely trades the ETFs — it is not a fatwa body; consult your own sharia advisor for personal compliance decisions.

Note: UCITS variants (European listings, e.g. ISWD/VHYL/USDV) cannot be resolved by this paper account (no European market data) — that is why only the US-listed versions are used.

Data Sources

Prices & executions: live from IBKR (delayed ~15–20 min, no realtime subscription) · Fundamentals & historical prices for the AI: yfinance · analysis engine: AI agents.

ETFs have no per-company financial statements, so the fundamentals/valuation agents often report insufficient data — ETF decisions lean on technical & sentiment signals instead. This is expected, not an error.

Disclaimer

Everything here is a paper-trading simulation for learning — not investment advice. Past performance (including backtest results) does not guarantee future results.

Pensiunan — virtual AI portfolios · everything is a simulation, no real funds