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What's New in CompounderHQ
1.4.0
August 11, 2026
Your FIRE date shows its assumptions, and several screens now answer questions the app left open. FIRE. Your income goal has always assumed your distributions get reinvested. That assumption is now a control you can see, and switch off, and it says plainly that your broker performs the reinvestment, not the app. Your existing projection is unchanged. Alongside the headline year the screen shows what happens if things go differently: a decade of flat dividend growth, or a one off cut like 2008. A target out of reach in a scenario says so, instead of printing a large number of years. SINCE INCEPTION. The question a 12% yield actually raises is whether it is income or your own capital handed back on a schedule. Covered-call holdings now show distributions paid since launch, the change in the fund's value, the two together, and the same for a reference index over the identical window. YOUR INCOME AGAINST INFLATION. Income growth alone cannot tell you whether the strategy is working: 6% against 3% inflation is working, against 7% you are falling behind while the number goes up. Your trailing income growth now sits beside CPI, and declines to compare when the rise is larger than dividends can explain, because that is money you added rather than income that grew. SINCE YOU BOUGHT. Each holding reports which of the reasons it scored well on have weakened since you bought. A measure that dipped and recovered is not counted. DEPLOY CASH. Distributions land and the question is where they go. A new mode on the rebalance plan works from idle cash alone: nothing is sold, so no realized gain and no tax consequence. Act gains a row that appears only when a holding is genuinely below target, and a purchase that would disallow a loss you already harvested says so, with the date it clears. RAISES IN. A payer with a regular raise cadence now shows the month and a typical size. It sits beside the forecast and is deliberately not folded into it, because a projection that anticipates raises can be wrong in the flattering direction. DISTRIBUTION COVERAGE, BY STRUCTURE. REITs are now measured on funds from operations and business development companies on net investment income, rather than one cash-flow proxy that misreads both. Partnerships now show no coverage figure at all: distributable cash flow is defined by each partnership and disclosed in its filings rather than in structured data, and the figure shown before charged growth spending against the distribution, so a partnership funding expansion read as overpaying. Better to say nothing than estimate it. DURABILITY. A new Income view puts coverage, return-of-capital share and fund NAV trend in one place, so "will this payout continue" is one screen instead of three. Dividend reinvestment itself is left to your broker, which is where it happens. The app no longer creates reinvestment purchases of its own. Shares already reinvested are unchanged, and your cash and cost basis stay exactly as they were. A rebuilt layout. Act separates what needs doing today from the standing conditions of your book. X-Ray splits into Composition and Risk. Alerts reads as a feed of what happened, with the conditions that inform a decision moved next to them. Forecast went from fifteen sections to six, the detail folded into drawers that carry the number you came for. Anything that moved leaves a pointer to its new home, and every dense screen opens with one plain sentence. Faster. Accounts and Alerts no longer rebuild your whole book while you scroll, and the score and zone change lists show the latest few with the full history one tap away. Fixes: a growth rate is no longer reported against a year in which the account was still being funded, so a young book stops showing an implausible percentage. Market context tells you when a reading is behind rather than presenting it as current. The positions export renames its reinvestment column to say it is historical.
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