1. First Steps

Before starting, you must create an account by clicking here or log in by clicking here to access your personal dashboard.

Once logged in, the first thing we must do is go to the Settings section and configure each of the aspects.

After that, we can head to the Manage Portfolio section and start creating our data entries.

Once we log the minimum required months, we will be able to access the Metrics and the Main view (where the Q-Core 21 are located). This number varies depending on the required function.

2. Manage Portfolio

This section allows you to perform two primary actions: log new transactions or update asset valuations. Both actions follow a standardized workflow:

2.1. Create Asset

  • Begin by clicking on the NEW TRANSACTION button.
  • Enter the name of the asset you wish to add and click Add "[Asset Name]".
  • The system will either automatically detect the asset (see our pre-configured assets directory) and apply a default configuration, or prompt you to configure it manually.
  • For manual configuration, you must define the asset's classification type and its designated usage strategy.

Important

Accurate data interpretation by TwentyOne relies heavily on selecting the correct Usage Strategy for each asset.

  • Investment: Assets held with the expectation of generating future returns over a specific timeframe (e.g., S&P 500 index funds, stocks).
  • Working Capital: Highly liquid assets utilized for operational or day-to-day expenses (e.g., cash, bank accounts, or liquid funds).

Once configured, click Create Asset to finalize the setup.

2.2. Add Transactions

To record a new transaction, navigate to New Transaction and select the relevant asset from your portfolio.

For Working Capital Assets:

Typically, you will only need to update the total portfolio valuation at the end of each month (accounting for monthly expenses). However, if you need to explicitly log specific cash inflows or outflows, you can enable the "Record Transaction History?" toggle.

For Investment Assets:

Record specific trades by defining the transaction type (Buy/Sell), the exact quantity transacted, and the newly updated total portfolio value.

If your goal is solely to update the asset's current market valuation without recording a new trade, simply leave the Quantity and Amount fields blank.

Important

Ensure transaction types are recorded accurately. The system automatically calculates your total asset holdings by aggregating 'Buy' orders and deducting 'Sell' orders.

2.3. Asset Configuration

Hide Assets

You can hide specific assets from the Metrics view to maintain a clean and focused interface. Hidden assets remain active in background calculations (such as diversification and risk metrics) and will continue to be visible on your main HOME dashboard.

Configure Assets: Allocation Margins

Establish target allocation weights for your assets and define acceptable variance margins to trigger automated alerts when rebalancing is needed.

  • Lower Bound: Triggers an alert if the asset's weight drops below the specified threshold.
  • Upper Bound: Triggers an alert if the asset's weight exceeds the specified threshold.
  • Bidirectional (Both): Triggers an alert if the weight deviates in either direction from the defined margins.

Edit Asset Settings

Click the gear icon next to an asset to modify its core settings (Type and Usage Strategy) or to permanently delete it from your portfolio. To rename an asset, simply double-click its current name.

3. Settings

This section provides comprehensive controls for your account configuration, platform preferences, and personal information management.

3.1. Edit Profile

Within this panel, you can update your core account details:

  • Full Name
  • Username
  • Email Address
  • Base Currency (EUR, USD, GBP, JPY, MXN, ARS, CLP, COP) (Support for additional fiat currencies coming soon)
  • Password Management

To apply any modifications, you must authenticate by entering your current password. Note for Google SSO users: If you registered via Google, you are required to establish a master password here. This step is critical; without a master password, you will be unable to access the Journal, as it relies on this credential for its end-to-end encryption protocols.

3.2. Subscription

This dashboard displays all essential billing and active plan details. You can review and manage:

  • Active Subscriptions and Invoice Generation
  • Account Limits & Resource Capacity (e.g., historical data storage quotas, daily entry limits, and supplemental transaction slots)
  • Payment History (Displays your 20 most recent billing cycles)

3.3. Home View

From here, you can manually trigger or reset the platform's onboarding tutorial.

Coming soon: Advanced layout and widget customization options for your main dashboard.

3.4. Config Portfolio

This section is fundamental to the accuracy of your Q-Core 21. By defining your portfolio's risk tolerances and baseline thresholds here, our algorithms can calibrate their analytical parameters to perfectly align with your specific investment strategy.

3.5. Metrics & Graphs

Customize your analytical environment by establishing default chart visualizations and defining the core computational parameters for your Monte Carlo simulations.

Performance Warning

Exercise caution when escalating simulation parameters. Excessively high values require significant computational load and may cause temporary browser unresponsiveness on devices with limited processing capabilities.

3.6. Config Alerts

Tailor your system notification settings and alert trigger thresholds.

Notification Behavior

  • Always Open: Alerts automatically display upon every visit to the metrics dashboard.
  • Intelligent Open: Alerts trigger only during your initial session of the day.
  • Manual Open: Automatic pop-ups are disabled; alerts must be accessed manually.

System Parameters

We strongly advise maintaining the default settings unless you are familiar with these algorithmic variables.

If you experience unexpected behavior after adjustments, utilize the Reset to defaults button to restore the original baseline configuration.

3.7. Other & System

Review technical system details (such as current software version and framework base) and access critical data privacy controls, including the option to PERMANENTLY delete your account and all associated records.

4. Metrics

In this section of the platform is where all our charts and alerts appear. It is necessary to know the difference between alerts and Q-Core 21 Insights.

The former are user-configurable and are not interpreted by the software. Q-Core 21 Insights adapt to the portfolio's investment profile; however, they are not as configurable as the alerts. Furthermore, these calculations and their combinations are indeed interpreted by the software.

4.1. Alerts

  • Missing Monthly Log: Indicates that data from the previous month is missing. Without continuity, profitability and risk calculations lose precision.
  • Overweight Asset: The asset has risen significantly or you have bought too much, exceeding the limit allowed by your target and margin.
  • Underweight Asset: The asset is below your minimum target.
  • Poorly Diversified Portfolio (High HHI): The Herfindahl-Hirschman Index is high. A few assets dominate almost the entire value of your portfolio. If one falls, you suffer greatly.
  • Concentration by Working Capital: The HHI is high, but it is due to cash (liquidity).
  • High Average Correlation: Assets move in the same way. If the market falls, all your assets will fall at once. You are not effectively diversifying risk.
  • Negative Annualized Return: You are losing money on an annualized basis.
  • Growth Diluted by Liquidity: Your total return is low, but your investments are doing well. You have too much uninvested cash that is "slowing down" the growth of your total wealth.
  • High/Low Growth: Comparison against your personal goals (cagr_low and cagr_high constants).
  • High Maximum Drawdown: You have suffered a drop from the highest point exceeding your tolerance limit.
  • Effective Use of Working Capital: The total Drawdown was high but the drawdown of the investments was not.
  • Excessive Drawdown Duration: You have been without recovering your previous maximum for too long.
  • Low Sharpe Ratio (< 0.5): The return you get does not compensate for the volatility you suffer.
  • Sharpe Diluted by Liquidity: The ratio is low in total, but high in investments.
  • Low Sortino Ratio: Bad relationship between profitability and "bad volatility" (drops).
  • Excellent Calmar Ratio (> 1): Your annual return is greater than your maximum drop.
  • Low Stability (< 50% positive months): You lose money more months than you gain.
  • Negative Skewness (Bias): Tendency to have large sudden losses.
  • Positive Skewness (Bias): Tendency to have occasional explosive gains.
  • High Kurtosis: High frequency of extreme movements (positive or negative). "Scary" portfolio. Normal movements are rare; almost everything is sudden jumps.

4.2. Charts

(Note: Some of these charts may not be visible even if selectable due to insufficient registered months).

To select which chart to display, click the button located at the bottom right.

  • Linear Regression: Plots a trend line over your portfolio growth to see the general direction.
  • Monte Carlo Simulation: Projects thousands of possible future scenarios based on your past volatility. Check the "worst-case scenario" (low percentile); if that result concerns you, you may need to lower your risk.
  • Asset Evolution: Shows how the value of each individual asset has grown over time.
  • Asset Increment: Displays the monthly increase or decrease for each asset.
  • Portfolio Quality Radar: A spider chart that scores metrics such as Profitability, Risk, Diversification, and Consistency.
  • Volatility and Return: Compares how much your portfolio moves (risk) against how much you earn.
  • Asset Correlation: A matrix measuring if assets move together. Positive (near 1) means they move together; negative (near -1) means they move in opposite directions; near 0 means they are independent.
  • Risk-Return: Maps assets on an XY axis to quickly identify the relationship between risk and reward.
  • Annual Distribution Boxplot: Shows the dispersion of your annual returns, identifying exceptional years (outliers).
  • Yield Distribution (Log): Analyzes the frequency of gains and losses on a logarithmic scale to see the "normality" of your returns.
  • Modigliani M2: Translates the Sharpe Ratio into a percentage return, showing what return you would have if your portfolio had the same risk as the market.
  • Ulcer Index / UPI: Measures financial stress based on the depth and duration of drawdowns.
  • Smart Target Control: Automatically monitors if you are deviating from your target investment weights.
  • Net Profit History: The curve of your actual realized earnings.
  • Break-even Analysis: Calculates the market price vs. the average price paid. If the average is lower, you are in profit.
  • Annual Returns: Bar chart showing the performance of each calendar year (configurable for specific assets or the whole portfolio).

5. Home

This is where you will access a comprehensive summary of your portfolio. Note that some features vary depending on your device: (D) for Desktop and (M) for Mobile.

  • (D)
    Month Navigation: You can view your portfolio's historical summary by switching months using ctrl + ← or →, or simply by clicking on the month's name.
  • (M)
    "Others" Category: On smaller screens, secondary assets may be grouped under "Others". Click on Scroll to expand and see the full list of assets.
  • (D/M)
    Summary: Includes your Total Balance, Monthly Change, and Monthly Volatility.

Asset Cards

Each card displays the asset name and its current market price on the right. At the bottom, you will find its total value in your portfolio and its overall profit or loss.

Q-Core 21

Q-Core 21 is an advanced diagnostic engine that evaluates the overall health of your portfolio. Its exceptional reliability comes from the fact that it does not try to predict the market; instead, it audits your actual risk exposure based strictly on empirical mathematics. It is built on four core pillars: Quantitative Analysis (measuring efficiency, volatility, and fat-tail risk), Structural Health (evaluating the true correlation and diversification of your assets), Behavioral Analysis (detecting psychological biases such as FOMO or panic), and Gamification (tracking your wealth accumulation journey, rewarding milestones, and helping you stay focused on your long-term goals). By intersecting these four dimensions, the system acts as a relentless auditor capable of detecting systemic vulnerabilities before they impact your capital, all while keeping you motivated on your financial journey.

  • (M)
    Interpretations for each insight appear directly within the same section.
  • (D)
    To access these, you must slide out the right sidebar tab on your screen.

Asset Breakdown Table

A detailed table showing key data for each asset, including: Name, Balance, Monthly Flow (Buy/Sell orders), and Weight.

Note: Real Performance (Total Profit/Loss) is only calculated for assets marked as "Investment". If you are unsure about this tag, please refer to the Manage Portfolio section.

6. Board

The Q-Core 21 Board is an advanced visual interface that translates complex math into interactive charts. Basically, it acts as a visual auditor that analyzes your portfolio's structure.

Why are some of my assets missing from the board?

If you notice some of your assets are missing, don't worry. To ensure accuracy and eliminate misleading market movements, the system applies strict filters:

  • Minimum history: For two assets to connect on the chart, they need at least 12 months of shared price history.
  • Statistical certainty: The relationship between assets must be proven with a 5% margin of error or less. If a market movement could simply be due to random chance, the system will hide that connection.
  • Fixed-income assets: Assets with fixed, unchanging returns (like certain P2P loans or fixed-yield staking) have no variability. Mathematically, this means they cannot be compared to changing market risk, so they are excluded on purpose.

Correlation Network (Interactive Graph)

Looking at the Correlation Network, you'll see a simulation where the visual distance between elements represents the risk level. You can interact by hovering your cursor or tapping on mobile over any node (the circles) to see specific data like its Role, Centrality Level, and Average Return. If you hover over the lines connecting them, you will see their exact correlation level. Feel free to click and drag the circles to explore the graph!

  • Thick lines and close nodes: Indicate high correlation. They share the same risk and will likely drop together if the market goes down.
  • Dashed lines and distant nodes: Act as a true shield or hedge, moving in the opposite direction of the rest.
  • Circle size: The larger the circle, the higher its risk of dragging down the rest of your portfolio.

Risk Centrality (Radar)

This tool works like a circular map, designed like a dartboard, to help you locate threats in your portfolio. By hovering over the dots, the system will show you their exact risk score. Assets sitting right in the center of the radar ("Core Risk") are the ones that could drag down your entire portfolio if something goes wrong. Conversely, the further an asset is pushed to the outer gray edges, the better it works as a "true diversifier" or safe haven.

Capital Flow (Sankey Diagram)

Finally, this diagram offers a deep analysis of how your money is distributed and flows. By hovering over the paths the colored ribbons you can see exactly how much weight the money flowing from your main portfolio into specific risk groups has.

  • Core Nodes (dark): Represent a high risk to the system.
  • Refuge Nodes (light): Represent safety.

The thickness of these paths shows you the amount of money at stake, giving you a quick way to check, at a glance, if you are investing too much in the riskiest assets instead of properly funding your safety nets.