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Macroscoop

Your wealth, decoded.

AI-powered portfolio diagnostics for retail investors. Instant, personalised, and MiFID II compliant — your data is processed in memory and never stored.

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I have a portfolio

Upload your broker CSV or PDF and get a full AI diagnostic — allocation, benchmarks, risk and currency exposure — in seconds.

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I'm starting out

Answer 6 questions to discover your investor profile and a matched model portfolio with a beginner's guide.

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Institutional Access

Simple, transparent pricing.

Free

€0 / forever
  • check CSV & PDF upload
  • check Allocation overview
  • check Risk profiler
  • check Beginner guide
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Pro

€19 / mo
  • check Everything in Free
  • check Live market data
  • check AI portfolio analysis
  • check Monte Carlo & stress tests
  • check What-if rebalancer & currency exposure

Annual

€149 / year

Save €79 vs monthly

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  • check Priority support
  • check Two months free
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Ingest Portfolio Data

Upload your export files for precise analysis. We support PDF and CSV formats from major global brokers.

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Drag & drop your statement here

or click to browse your local files

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Privacy focused. Your data is processed in memory and never shared with third parties. No login credentials required.

Supported Institutions

D
DeGiro
R
Revolut
IB
IBKR
T
Tradeville
CS
Schwab
F
Fidelity

Welcome to Macroscoop

Save your portfolios and track them over time.

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Accounts are coming soon. Until then, your data stays in-memory and is never stored.

Portfolio diagnostic

—
Snapshot
Holdings — Allocation & Market Data
HoldingWeightValue 1Y ReturnSectorMarket CapP/EDiv. Yield

Benchmark data sourced from Yahoo Finance. Portfolio return estimated from weighted 1-year returns of holdings. Past performance does not guarantee future results. Not financial advice.

Currency Exposure
Weighted Average Dividend Yield by Currency
Why Currency Exposure Matters

Every stock you hold generates an implicit currency exposure — not just to the currency it trades in, but to the currency in which the company earns its revenues. This matters because:

Exchange Rate Risk
If you hold USD stocks and the USD weakens vs your home currency, your portfolio loses value even if stock prices stay flat.
RON-Heavy Portfolios
High RON exposure means your wealth is tied to the Romanian economy. If the RON depreciates vs EUR, your international purchasing power falls.
Natural Hedge
If you earn in EUR and spend in Romania, holding EUR assets provides a natural hedge against RON depreciation.
Diversification Benefit
Holding USD and EUR assets alongside RON protects against local currency crises — a key risk for Romanian retail investors.
What Is Monte Carlo?

Monte Carlo simulation runs 1,000 random scenarios for your portfolio using historical return and volatility estimates (7% avg. annual return, 18% annual volatility — approximate global equity parameters).

Each faint line on the chart is one possible future. The bright centre line is the median outcome — what happens in exactly half the scenarios.

P10 — Pessimistic
Only 10% of scenarios end below this value. A bad decade but not catastrophic.
P50 — Median
The most likely outcome. Half of scenarios finish above, half below.
P90 — Optimistic
Only 10% of scenarios end above this. A great decade of above-average returns.

Uses historical volatility estimates. Not a prediction. Not financial advice.

Market Decline Definitions (Ben Carlson / Ritholz)
−5%
Pullback
−10%
Healthy Correction
−15%
Correction
−20%
Bear Market
−30%
Collapse
−40%
Crash
−50%
Crisis
Compounding Calculator
AI Portfolio Context
Analysing your portfolio…
Macroscoop is a mirror, not a compass. Descriptive analysis only — not investment advice. Always consult a regulated financial advisor. MiFID II compliant.
Select a holding below to load its latest news.
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Based on your answers

Your Profile

Recommended Allocation
€1 000 Invested — Simulated Growth
Cost of Waiting
AI Profile Insight
Generating insight…
Informational only — not investment advice. MiFID II compliant.

Beginner's Guide to Investing

Everything you need to start with confidence.

Step 1 — Understand What You're Buying

📈

Stocks (Equities)

A share of a company. When the company grows, your share value grows. You may also receive dividends — a portion of profits paid to shareholders. Higher potential return, higher risk.

🏦

Bonds (Fixed Income)

A loan you give to a government or company. They pay you back with interest. Lower risk than stocks but lower return. Good for stability.

🌍

ETFs (Exchange Traded Funds)

A basket of many stocks in one product. Buying VWRL gives you exposure to 3,000+ companies in one click. Instant diversification, low cost. Recommended for beginners.

Step 2 — Know Your Risk Levels

−5%
Pullback
Normal, happens every year
−10%
Healthy Correction
Happens ~every 2 years
−15%
Correction
Uncomfortable but normal
−20%
Bear Market
Serious decline, stay calm
−30%
Collapse
Rare, requires patience
−40%
Crash
Very rare, long recovery
−50%
Crisis
2008-level event

Key insight: the S&P 500 has never permanently gone to zero. Every crash in history has been followed by a recovery. Time in the market beats timing the market.

Step 3 — The Power of Compounding

💡

€200/month for 20 years at 7% annual return

You invest: €48,000. Your portfolio grows to: ~€104,000. The extra €56,000 comes from compound interest — your returns earning returns.

⏰

Start early, not big

Starting with €50/month at age 22 beats starting with €200/month at age 32. Time is your most valuable asset as an investor.

Step 4 — Peter Lynch's 6 Company Types

1

Slow Growers

Large, mature companies growing ~2–4%/yr. Think utilities or old industrials. Stable but limited upside. Often pay dividends.

2

Stalwarts

Large, steady companies growing ~10–12%/yr. Think Coca-Cola, P&G, Nestlé. Reliable but not exciting.

3

Fast Growers

Small, aggressive companies growing 20–25%/yr. High risk, high reward. Think early Amazon or ASML.

4

Cyclicals

Rise and fall with the economy. Airlines, steel, automotive. Buy low in recession, sell high in boom.

5

Turnarounds

Near-bankrupt or struggling companies recovering. High risk, massive upside if successful.

6

Asset Plays

Companies with hidden value in assets (real estate, patents, cash) not reflected in stock price.

Glossary of Terms
All key concepts used in Macroscoop explained.