TW投資帳本－股票記帳・台股美股損益 vs TwoRetire

TW投資帳本是為台灣投資人打造的多資產投資帳本，幫你把台股、期貨、美股、ETF、基金與加密資產整理在同一個地方。 它不只記錄買進賣出，也協助你看懂資產變化、損益來源、投資配置與風險狀態。無論你是長期投資、波段交易、質押操作、退休規劃，或同時管理多個帳戶，都能用更清楚的方式追蹤自己的投資全貌。 核心特色 投資總覽 快速查看總市值、本金、損益、報酬率與資產趨勢。首頁以儀表板方式呈現今日、本週、本月、今年與全期間表現，讓投資狀態一眼掌握。 多帳本管理 可以建立不同投資帳本，分開追蹤長期投資、短線交易、家庭帳戶、退休帳戶或不同策略，避免所有資料混在一起。 交易紀錄與損益追蹤 完整記錄買入、賣出、股利、費用稅金與交易明細，協助你掌握已實現損益、未實現損益、成本與資金流向。 投資月報與年報 自動整理投資報告，包含本期組合變化、報酬率、基準比較、持股貢獻與風險狀態。你可以用月報或年報回顧投資表現，而不是只看單日漲跌。 市場基準比較 將投資組合與 TAIEX、S&P 500、NASDAQ 等市場基準比較，幫助你判斷自己的配置是否真正跑贏市場。 股票質押與槓桿追蹤 內建質押與借款追蹤，可查看借款餘額、淨資產、維持率、槓桿倍數、每月利息與追繳風險，讓高風險操作更透明。 個股研究 輸入股票代號即可查看基本資料、估值指標、本益比、股價淨值比、現金殖利率、EPS 與本益比河流圖，研究股票時更有依據。 財經工具箱 內建股票質押計算器、投資組合比較、複利計算機、退休提領計算機、股票回測系統與蒙地卡羅模擬，從記帳、分析到試算都能在同一個 App 完成。 適合誰使用 想整理台股、美股、期貨或加密資產的投資人 想知道真實損益與報酬率的人 需要追蹤多個投資帳戶或策略的人 有股票質押、借款或槓桿部位的人 想用月報、年報回顧績效的人 想把交易紀錄、持股配置與財經工具集中管理的人 TW投資帳本不是投資建議工具，而是你的投資整理中心。 用更直覺的方式整理資產、看懂績效、檢查風險，讓每一次投資決策都有更清楚的依據。

Retirement isn't a solo project — so why plan it alone? TwoRetire is a retirement planning app built for couples. Instead of two separate spreadsheets or two different apps, you and your spouse see one shared plan — with each of you controlling exactly how much of your own accounts the other can see. WHAT YOU CAN DO • Track every retirement account — 401(k), Traditional/Roth IRA, taxable brokerage, HSA, and more — with your choice of full detail, totals only, or fully private per account. • Model your retirement timeline — drag a slider to see how retiring at 60 vs. 65 changes your household's net worth curve, decades into the future. • Compare withdrawal strategies — see the difference between a traditional withdrawal order and a strategy that fills your tax bracket, side by side. • Coordinate Social Security — a 3×3 claiming-age matrix for you and your spouse, break-even analysis, and survivor benefit planning. • Get an honest signal — a simple green/yellow/red indicator based on your actual projected shortfall, not a vague "you're on track" message. • Save and compare scenarios — "What if I retire at 62 instead of 65?" Save it, compare it against your baseline, and decide together. • Log the decisions that matter — freeze a scenario's assumptions when you make a real decision, so you can look back later and remember why. BUILT FOR TWO, PRIVATELY When you invite your spouse, you choose per account whether they see full details, just the total balance, or nothing at all. Nothing is shared until you explicitly turn it on — and visibility only ever gets more open, never less, so you always know exactly what's been seen. Your data lives in your own iCloud account. TwoRetire has no servers of its own — nothing is collected, nothing is sold, nothing is shared with third parties. Even shared data between spouses syncs directly through Apple's infrastructure, never through us. HONEST ABOUT WHAT IT DOES (AND DOESN'T DO) TwoRetire uses a straightforward, deterministic projection based on the assumptions you set — not Monte Carlo simulation, not a black box. Every number is explained in plain language, and a built-in FAQ walks through exactly what's calculated, what isn't (like state taxes), and why. This app is an educational planning tool to help you and your spouse have better conversations about retirement. It is not investment, tax, or legal advice — please consult a qualified professional for your actual decisions.