AI-assisted portfolio analysis for retail investors — descriptive and educational, not financial advice. Understand your composition, allocation, and risk at a glance.
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check AI portfolio analysis
check Monte Carlo & stress tests
check What-if rebalancer & currency exposure
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Privacy Policy
Last updated: June 2026
What we process: When you upload a PDF or CSV, the file is sent to our servers solely to extract your portfolio holdings using AI; we do not retain the uploaded file. If you use Macroscoop without an account, the extracted holdings are returned to your browser and not stored. If you create an account, we store your email, your parsed portfolios and holdings, and the analyses you generate, so you can return to them.
Third-party services: We use Anthropic's Claude API to read your statements and generate analysis; we use Yahoo Finance for market and benchmark data (only ticker symbols are sent); and, if you subscribe, Stripe for payments. Data shared with each is governed by their respective privacy policies. Market data we cache is held under licence, kept separate from your own data, and purged automatically.
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Your rights (GDPR): If you have an account you can request access to, export of, or deletion of your data at any time. Deleting your account removes your portfolios, holdings, and generated analyses. Contact us using the address below.
MiFID II: Macroscoop provides informational portfolio analysis only. It does not constitute investment advice. We are not a regulated investment firm. Always consult a regulated financial advisor before making investment decisions.
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Supported Institutions
D
DeGiro
R
Revolut
IB
IBKR
T
Tradeville
CS
Schwab
F
Fidelity
Welcome to Macroscoop
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Portfolio diagnostic
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infoFor information and education only — not financial advice. Macroscoop describes your portfolio; it does not recommend buying, selling, or holding any security, and is not personalized to your circumstances. Consult a regulated financial advisor before making investment decisions.
Snapshot
Holdings — Allocation & Market Data
Holding
Weight
Value
1Y Return
Sector
Market Cap
P/E
Div. Yield
Market and benchmark data sourced from Yahoo Finance. Euro Stoxx 50, S&P 500, FTSE 100, BET and MSCI ACWI are third-party benchmarks shown for descriptive comparison only — their use here does not imply any endorsement, affiliation, or sponsorship. 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.
Macroscoop is a mirror, not a compass. Descriptive, educational analysis only — not investment advice, and not personalized to your circumstances. Always consult a regulated financial advisor before making investment decisions.
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Risk Profiler
Based on your answers
Your Profile
infoFor information and education only — not financial advice. This profile and any illustrative allocations are educational examples, not a recommendation tailored to you. Consult a regulated financial advisor before making investment decisions.
Illustrative allocation (educational, not a recommendation)
€1 000 Invested — Simulated Growth
Cost of Waiting
AI Profile Insight
Generating insight…
Informational and educational only — not investment advice, and not personalized to your circumstances.
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.