Frequently Asked Questions

investlogic.io is an educational portfolio allocation platform that provides science-based portfolio examples using Nobel Prize-winning Modern Portfolio Theory. We offer educational portfolio models based on academic research, completely free for basic use.

Our platform uses a three-step process: (1) Complete our educational risk assessment questionnaire, (2) Receive portfolio examples across multiple asset classes, (3) Get educational ETF examples and implementation guidance. All calculations use proven academic models for educational purposes only.

No registration is required for basic educational portfolio examples. You can use our platform completely anonymously. Personal information is only collected if you choose to upgrade to Pro features, and even then, we only collect the minimum necessary data (email for account access).

Our educational portfolio examples are built using Modern Portfolio Theory, the Capital Asset Pricing Model (CAPM), and other Nobel Prize-winning financial research. We analyze correlations between asset classes and create educational examples of diversified allocations based on general risk profiles. These are for educational purposes only, not personalized advice.

Our risk levels range from R1 (very conservative, focused on capital preservation) to R12 (aggressive growth, accepting high volatility). Each level corresponds to different expected returns, volatility levels, and asset allocations. Conservative portfolios emphasize bonds and stability, while aggressive portfolios favor equities and growth potential.

We select ETFs based on strict criteria: low expense ratios (typically under 0.3%), high liquidity, broad market exposure, and strong track records. We prioritize established providers like Vanguard, iShares, and SPDR, focusing on funds that accurately track their underlying indices with minimal tracking error.

We recommend rebalancing quarterly or when any asset class deviates more than 5% from its target allocation. Our Pro subscribers receive automated rebalancing alerts and detailed guidance on when and how to rebalance efficiently while minimizing transaction costs and tax implications.

Basic portfolio recommendations are completely free. Pro Monthly (€3.90/month, billed annually) includes detailed analytics, rebalancing alerts, and advanced features. Pro Lifetime (€69 one-time) offers permanent access plus exclusive content like our comprehensive investment ebook.

Free users get basic portfolio allocations and ETF recommendations. Pro users receive detailed performance analytics, Monte Carlo projections, tax-loss harvesting guidance, rebalancing alerts, downloadable reports, and access to our comprehensive investment education materials.

We accept all major credit cards (Visa, Mastercard, American Express) and digital wallets through our secure Stripe integration. All payments are processed securely with industry-standard encryption, and we never store your payment information on our servers.

We implement privacy by design principles. All portfolio calculations happen client-side in your browser, meaning your financial data never leaves your device. We don't use tracking cookies, and our servers only store minimal account information for Pro users. All data transmission is encrypted using industry-standard TLS.

For free users: nothing. For Pro users: only your email address and subscription status. We never store your portfolio data, financial information, or personal details. Your risk assessment and portfolio preferences are processed locally and not transmitted to our servers.

Yes, we're fully GDPR compliant. We practice data minimization (collecting only essential information), provide clear consent mechanisms, and offer easy data deletion. EU users have full rights to access, modify, or delete their data at any time through our support channels.

No, we provide strictly educational portfolio examples based on academic research, not personalized investment advice. Our content is general in nature and does not consider your individual financial situation, goals, or circumstances. We do not provide financial planning, tax advice, or specific investment recommendations. Always consult with qualified financial advisors, tax professionals, and legal counsel before making any investment decisions.

No investment strategy can guarantee returns. Our portfolio examples are based on historical data and proven academic models, but past performance does not predict future results. All investments carry risk, including potential loss of principal. We provide educational tools only, not performance guarantees or investment advice.

Tax considerations vary by country and individual circumstances. Our Pro version includes general tax-efficiency guidance, but we recommend consulting with a tax professional for personalized advice. We provide educational resources about tax-loss harvesting and efficient fund placement strategies.

First, try refreshing your browser and clearing cache. Ensure you're using a modern browser (Chrome, Firefox, Safari, Edge). If issues persist, contact our support team at support@investlogic.io with details about your browser, device, and the specific problem you're experiencing.

Our platform works best on modern browsers: Chrome 90+, Firefox 88+, Safari 14+, and Edge 90+. We use advanced web technologies for optimal performance and security. Mobile browsers are fully supported for on-the-go portfolio management.

Email us at support@investlogic.io for any questions or issues. We typically respond within 24-48 hours during business days. For Pro users, we offer priority support with faster response times. Include specific details about your issue for quicker resolution.