Tag Archives: T-Report

Should I invest in the T-Advisor top score assets?

Top Score in T-Advisor

We have several times mentioned that T-Advisor has its own scoring for the assets. It is like the old marks that we got in the school, but this qualification is linked to our investments.

T-Advisor has a module that shows the best assets classified by the score. The question is: Should I include these assets in my portfolio? In fact, this is a good idea, but we do not have to forget two things:

  • Past performances do not guarantee future ones.
  • We have to be watchful of our investments, because markets change continuously.

If we look at our monthly top score (that we publish in this blog), we have always found interesting stocks and funds, because they usually have high performances. This fact is clearer in stocks than in funds (specially, in fixed-income funds).

However, it is interesting to see the evolution. It is not usual that top score assets repeat. Markets are naturally unstable, but instability does not mean something negative. It just means that there are continuous ups and downs and investors should regularly look into and watch their portfolios.

Our top score specifies the best performing assets with our best score in a specific moment. They give us clues about countries and sectors that are moving positively. Our score detects also these changes and includes them in the qualification. That is why our score is also live. It is not a mark that provides a position for a long term. On the contrary, it is always near the reality and sudden changes are also detected and included.

Top score assets provide guidelines about possible interesting movements, but investors do not have to move their strategies to certain assets guided by the moment. They have to look at the long term, instead of short-term impulses.

So, if you finally ask: then, what to do with the top score assets? In or out of my portfolio? The answer is: it depends. Check if they match your investment strategy and read the full T-Report. Then, take the decision and check regularly your portfolio and the changes in the scoring in the assets.

T-Advisor gets more social with new recommendation asset tools

A year ago, T-Advisor faced a great evolution with the 3.0 version. A user-friendly look and feel, new tools and innovations and, above all, the creation of a financial community. These breakthroughs have opened new possibilities and we have answered to them.

The exchange of ideas is one of the great demands amongst the users of every financial solution. Nobody wants to feel alone. We prefer to share our knowledge, experiences and ideas. This is the point of our recent evolution in T-Advisor 3.0. We get more social and promote the exchange of recommendations. How?

  • A new asset report with recommendation options

New asset report in T-Advisor

Don’t worry! We keep our T-Report, but we show the assets with a more attractive and easy-to-understand design. You can include the asset in your own portfolios clicking on the portfolio icon or just follow its evolution clicking on the chart icon. In addition, you can recommend buying or selling the asset.

  • Follow-up of other users’ recommendations

All your followers will receive an alert in their notification inbox when you do any bullish or bearish recommendation. In the lower modules of the asset report, you will also find the user that makes a recommendation. If you click on your user profile, you can watch all your recommendations with statistics and filters to select the information.

Recommendation module in personal user profile in T-Advisor

  • A specific tab with all recommendations

The module “Investment ideas” enlarge the contents with a tab for all recommendations made by our users. You can select buy and sell proposals and the asset category. There are two rankings: the most recommended assets and the users that recommend better.

Recommendation tab in investment ideas module in T-Advisor

Our social features in the beginning are still there: ratings for users and portfolios, users medal and score portfolio rankings, the chance of following other users, amongst others, as we already commented in former posts.

If you are already a T-Advisor user, let’s begin sharing. Recommend your favourite assets or warn about your worst selections. If you are not a user yet, we invite you to discover our community where self-directed investors are ready to share their knowledge and apply the best advance investment tools to obtain the best results. That happens only in a platform: T-Advisor!

Investment risk: some figures to watch in the assets

Risk chapter in a T-Report in T-Advisor

When you are an investor, you accept some risk. We have already written about the different kind of risks in investments. The question is: can we measure the risk? Well, risk is a qualitative ratio, but we can obtain some clues through quantitative measures.

Volatility is one of these measures. Does it mean that high volatility is the same as high risk? It depends on the asset. First of all, volatility does not measure the risk, but the price variation in a certain period. If there is a high diversion from the average price, it is very volatile. Of course, it is risky, as far as the prices change sharply and the investor can win or lose suddenly. However, think about another asset, as housing. Prices are no so volatile, but it is risky, because you have another risks: counterparty risk, inflation risk…

The liquidity grade is also important to measure the risk, as an investor can perceive how often the asset is purchased or sold. A low liquidity shows that the asset has a high risk that you cannot find a buyer when you want to sell it.

One of the most important measures for risk is Value at Risk, broadly know by its initials VaR. This index shows how much an investor can lose at the most with a probability of 95% in a certain period. The higher is the figures, the more risky is to lose money.

Correlation offers also a clue about the risk. This figure has a range between -1 and 1. In this case, the asset is compared with another asset, with its sector or with the reference stock index. If the correlation is 0 or near to 0, there is no correlation. If is 1 or near 1, there is a high correlation: the asset moves following the trend of the reference. On the other side, if is -1 or near -1, there is an inverse correlation: the asset moves in the opposite trend of the reference. This is very useful for negative waves, for instance.

As you can see, risk has no concrete measure. You have to look into figures to discover if the asset is risky and if the risk level of the asset is acceptable for your profile. The T-Report in T-Advisor gives full details about all the data about risks that an investor need to know to take decisions.

Investor: watch these figures to select your assets

You are a new investor or with low experience in investments. You have available a good database to check possible asset to invest in, but which would be the right one? How can you select the most interesting assets for your goals? We recommend you to look into a database with high-quality reports about the assets. There you will find lots of information. Check the following figures to take a decision:

Figures to follow in investments

  • Performance: look at the historical performance. How good were the returns in the last months? And in the last years? It is true that past performances do not guarantee future results, but it show a trend about the long-term stability. It is not the same to get a share with positive and negative returns in different years than a one with regular positive returns.
  • Volatility: this is quite important. Volatility measures a deviation from a middle point. For instance, if the price goes up 4% one day and goes down 3% the following, the security is quite volatile. On the other hand, if the price goes up 0.2% three days and goes down 0.1% one day, it is less volatile. Take it into account depending your risk profile: if you are risk averse, you will not feel comfortable with a share that has high variations every day.
  • Trend: it is the development of a security in a timeframe. You have to consider the recent trend to decide to invest or not. A trend has a slope. If the slope is strong, it means that the trend has accelerated. For instance, if the slope is strong upwards, it can mean a bubble or that there is speculation behind the movement. On the other hand, if is very negative, it can mean a crisis in the company.

Chart to follow investments

  • A historical chart: an image is worth more than a thousand words. It is easy to detect the items mentioned above in a chart. The best one is an active chart where you can choose different timeframes.
  • Value at Risk (VaR): this is an advanced item, but very useful. What does it measures? The probability of losses in a timeframe. You will read “VaR one week” or “VaR one year”. It indicates that you can lose at maximum the written figure with a 95% probability. In other words: if you invest in that asset, you can earn, you can lose less than the indicated figure in the VaR, you can lose at maximum that figure with 95% probability and you can lose more than that maximum with 5% probability. These are the scenarios that you have to analyze. The highest VaR it is, the highest risk you accept.

This is the beginning. There are some more that we will comment in future posts. The T-Report in T-Advisor offers all these data. Check it in our platform.

T-Report, a high quality asset report as an investment tool

Figures and data are the main tool for investors to obtain good performances, but people don’t need only a collection of numbers, but an interpretation of them. Figures are useful when they are understood and let investors take decisions. In T-Advisor, we care about it with our T-Report, a full and detailed sheet with accurate and relevant data about thousands of assets. Let’s see what an investor may find there with an example: Apple.

First of all, you find the immediate figures about the stock: price, price change, volume, an assessment of the risk taking into account the volatility, the liquidity and our score. T-Advisor has developed its own scoring for all assets to provide investors an understandable way about the quality of them.

After that, you find the historical performance analysis. It is true that past performances do not guarantee future ones, but they show a relevant evolution to assess the interest for your strategy.

T-Report main figures

The following data are related to short-term trend. The system calculates the trend and the cycle phase to perceive if it is the right moment to enter (stay long) or wait, as the position says.

T-Report trend analysis in T-Advisor

Charts are also very relevant to perceive an asset trend. We provide in our T-Report several options to watch the chart and the evolution in the last five years. Anyone who wants to obtain deeper information may click on “View charts in charting area”.

T-Report charts in T-Advisor

Comparative tables are also useful to evaluate data. That is why we show the cumulative performance and different views from different technical models.

T-Report technical analysis in T-Advisor

Similarly, every T-Report compares the asset with the index reference to check if it performs better or worse. It also shows relevant figures as alpha and beta. It is to underline that the T-Report is full of hints that explain the meaning of all the data just locating the cursor on them.

T-Report risk and index comparison

In T-Advisor we consider that capital preservation is the main goal for an investor. The chapter devoted to risks analysis is wide, because we want to report properly about them to help investors preserve their capital. Volatility, VaR and retracement are the main figures. We also include a comparative chart that links performances and volatility from the assets and several indexes.

T-Report risk analysis in T-Advisor

Finally, if you are not satisfied, T-Report shows investment alternatives ranked by exchange and sector, so that you can find the one that fits your interests.

T-Report investment alternatives in T-Advisor

To sum up, investing is not a game. It requires time to analyze where we are going to allocate our money. Information is a main stuff to assess options and take decisions, but this information has to be properly and systematically organized. Our T-Report is the answer for these needs.