Phajot vs Portfolio

Where did your money go? Let Phajot tell you. Phajot is a friendly money tracker made for the way people really live in Laos. Log an expense in seconds, typed the way you would say it, and Phajot sorts it out for you. No spreadsheets, no stress. THREE CURRENCIES, ONE CLEAR PICTURE Spend in Kip, Baht and Dollars? Phajot keeps all three separate and clear, so you always know where you stand this month. JUST TYPE IT "coffee 15000" and it is done. Phajot reads it, puts it in a category and remembers it. Fast enough to log before your change reaches the counter. SEE YOUR MONTH, CLEARLY A simple monthly summary shows where your money actually went, by category and by day, so the end of the month is never a mystery. BUDGETS AND GOALS, GENTLY Set a budget, save toward a goal. Phajot tells you straight when you are getting close to the line, like a friend, not a bank. SPLIT BILLS WITH PHASHARE Out with friends? Split the bill evenly or by item and record just your share. No awkward maths. SNAP A RECEIPT Point your camera at a receipt and Phajot turns it into a record. MONTHLY WRAP At the end of each month Phajot tells the story of where your money went, in plain words. Phajot is not a bank, not a lender and not a payment app. It is simply a calmer way to watch your money. Everything in Phajot is included. There is nothing to buy. Built in Laos, for Laos. Available in Lao, Thai and English.

Pick a few securities, and the app works out from past prices what percentage each one would have in a mix that fits your goal. No sign-up, no background knowledge needed, with an explanation for every step. The calculation follows Markowitz's modern portfolio theory: the split of your stocks and ETFs (asset allocation) follows from their return, volatility and correlation. HOW THE GUIDED ASSISTANT WORKS • Choose securities: with the search or from the list of common securities. • Choose a goal: as little fluctuation as possible (minimum variance portfolio), the best ratio of return to fluctuation (highest Sharpe ratio), or a target return. • Read the result: “The calculation gives …” with each security's share in percent, and as a euro amount if you like. WHAT YOU GET • Traffic light review of your mix: spread (diversification), similarity (correlation), fluctuation, distance to the efficient frontier and data quality, each with color, word and explanation. • The efficient frontier at your fingertips: drag a handle along the frontier and see how shares, return and fluctuation change. The charts have axes and units. • A learning path with 9 stations, its own drawings and interactive examples that calculate with real prices. • Key figures such as return, volatility and Sharpe ratio, plus correlations and a look back (backtest), each explained in plain language. • Data situation: the app shows on which trading days prices are missing and what that means for the calculation. • Import of the Commerzbank portfolio overview and the Trade Republic transaction export, also both together, and search by name, ticker, ISIN or WKN. The app places no orders, has no access to bank or brokerage accounts, manages no money and gives no investment recommendations. Past values are no indication of future results. FREE AND PRO Free: guided assistant, traffic light review, efficient frontier, key figures, correlations, a simple look back, learning path and CSV import, with one saved mix of up to 6 securities. Pro unlocks: unlimited securities and mixes, your own limits (minimum and maximum shares, short selling), choice of estimation method, look back with variants and rebalancing rules, the calculation steps one by one and export as PDF report, CSV and as an R or Python script. Pro is a subscription: €4.99 per month or €39.99 per year, with a 14-day free trial on the yearly plan. The subscription renews automatically for the chosen period unless you cancel it at least 24 hours before it ends in your Apple ID settings. Payment is charged to your Apple ID. Prices in other countries may differ. YOUR DATA No sign-up, no ads, no tracking of your behavior. Your portfolios and entries stay on your device. For prices the app asks our server for the securities you select, not for your holdings; for technical reasons the server sees your IP address. DATA SOURCES Prices: external market data provider. Exchange rates: European Central Bank. Interest rates: Deutsche Bundesbank. Identifiers: OpenFIGI. All sources are named in the app under Settings. IMPORTANT For information and learning only. No investment advice and no recommendation to buy or sell securities. Calculations are based on historical data; future results may differ significantly. Terms of use (standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://kobosil.me/datenschutz/#portfolio-analyse Legal notice: https://kobosil.me/impressum/