Pensiunan

Common causes: (1) ETFs have no financial statements, so the fundamentals/valuation agents lack data and lean neutral; (2) watchlist share prices are large relative to the $1,000 budget, so the quantity often rounds to 0; (3) there genuinely is no strong enough signal. HOLD is a valid decision.

Only during US market hours (~09:30–16:00 ET, Mon–Fri). Orders placed outside those hours wait (PreSubmitted). API orders are also session-bound: if the app container restarts, pending orders can vanish.

Both are real but serve different purposes: the AI sizes positions from the INITIAL_CASH budget ($1,000) — that is the number used for sizing. The $1M is the IB paper account's fixed default and cannot be changed; the dashboard deliberately shows the bot budget to avoid confusion.

This paper account has no realtime US data subscription. The bot uses delayed data — fine for daily analysis — but executed orders still fill at the true market price.

No. Everything the bot does happens in the PAPER (simulated) account DUR785738. No real funds move.

The AI runs on a free-tier provider that occasionally queues requests (one call has taken ~12 minutes). If an agent fails, its reasoning may be empty / 'insufficient data' and the bot falls back to a neutral signal. Safe to retry later.

European listings cannot be resolved by this paper account and their market data is not subscribed. The equivalent US-listed versions already cover similar exposures (see the About page).

In the Portfolio plan builder: add tickers and set each one's allocation % of your capital. Segment weights are auto-calculated, and your risk profile's caps (per-ticker and per-segment) are enforced live. Your tier sets how many tickers you can plan (Free: 3 · Pro: 25).

The dashboard tracks two separate things. (1) The shared bot: one paper-trading account the AI trades with its own budget — its positions are on the front page. (2) My Portfolio (Portfolio page): your personal virtual portfolio. It only reads the AI's daily decisions and applies them to your own simulated capital, plan and risk profile. No orders, no real money — a what-if simulation unique to you (identified by your login).

You set a per-ticker allocation plan (% of your capital). After each daily analysis the engine steers each planned ticker toward your capital × your %. A new position opens only when the AI signals BUY for that ticker; an AI SELL closes the position and removes the ticker from your plan; anything you hold is maintained or trimmed back toward target on HOLD. Your plan is never changed by the engine's trims — only you (or a full AI exit) edit it.

Drawdown is measured against your starting baseline on every run, not just rebalances. Crossing the soft stop only warns you (banner on the Portfolio page) — trading continues. Crossing the hard stop closes all your virtual positions at the last known prices and halts the service. Your plan is preserved: reset the baseline and resume to continue with it.

Yes — the Virtual Capital card on the Portfolio page deposits or withdraws simulated cash. Your capital reference moves with it so P&L stays pure trading P&L; the drawdown baseline deliberately does not change (use "Reset drawdown baseline" if you want a deposit to re-anchor the stops). Withdrawals are limited to free cash.

Planned is the sum of your per-ticker allocations in that segment — it is calculated automatically from the ticker weights you set (e.g. Large-Cap 32% = NVDA 15% + MSFT 10% + AMD 7%). You never set segment weights directly; they follow your tickers. Your cap is the maximum that segment may hold under your risk profile (Conservative / Moderate / Aggressive, set by the onboarding quiz) — it is a guardrail ceiling, not a target and not a recommendation. Planned can sit anywhere from 0% up to the cap; a row turns red when a save would exceed it. Likewise, Unallocated capital = 100% minus the sum of all your ticker allocations — the share of your capital not assigned to any ticker (it stays as virtual cash).

For the first 100 members — or until December 23, 2026, whichever comes first — the Annual plan is locked at $49/year forever (normally $79). Founding Angels carry the ✦ ANGEL badge on their portfolio and, more importantly, fund the roadmap: notifications, more markets, and deeper backtesting. When the 100 slots or the deadline pass, pricing returns to normal for everyone after.

No — Pensiunan is fully simulated, and that is by design. Your portfolio is a virtual sandbox: no broker account is needed, no real funds are ever held, managed, or executed by us. If you personally want to act on the AI's decisions with real money, you would open your own brokerage account and place trades yourself (we may earn a referral fee if you use a broker link from this site — it never changes what you pay). Nothing on Pensiunan is investment advice.

You sign in with your own Pensiunan account (email + password — verification and password reset by email). Sessions are HttpOnly cookies; passwords are hashed (Argon2). The admin area sits behind an additional Cloudflare Access gate.

Your virtual portfolio: deposit or withdraw on the Portfolio page (Virtual Capital card) — no restart needed. The bot's budget: change INITIAL_CASH in .env and recreate the container. Your plan's tickers: edit them in the Portfolio plan builder. The bot's watchlist: change WATCHLIST in .env (and category tags in the code). Ask for help if needed.