Question 1

What is this product?

Accepted Answer

It is a data ledger for the Nairobi Securities Exchange and Kenya's other savings and investment instruments — every listed counter and instrument scored on published formulas, every figure sourced and dated. Nothing here is picked for you; you read the working and decide. Start on the board or on /compare/assets to see the full ledger.

Question 2

Is it free to use?

Accepted Answer

Yes, every feature is unlocked during the open beta. Tiers exist for later, but nothing you set up now — watchlists, alerts, saved weights — is lost when pricing activates. See your tier on /account.

Question 3

What is a "counter"?

Accepted Answer

A counter is one listed security on the NSE — a share, REIT unit, or ETF, identified by its ticker (e.g. SCOM). Each counter has its own page with five pillar scores, risk flags, and statement history. Browse them all on /stocks.

Question 4

Do I need an account to use this?

Accepted Answer

No — every score, chart, and comparison is visible without signing in. An account is only needed to save a watchlist or set an alert, both free during the open beta. Sign in from /account.

Question 5

I've never invested before — where do I start?

Accepted Answer

Start at /learn, the guide hub — one page per way Kenyans actually grow savings (NSE shares, T-bills, MMFs, SACCOs, and more), each with the real steps, real minimums, and the tax that applies. It teaches the mechanics; it never tells you which one to pick.

Question 6

What does the composite score mean?

Accepted Answer

The composite is a 0–100 blend of five published pillars — value, quality, financial health, dividend reliability, liquidity — each independently scored and weighted. It is a description of the data as it stands today, not a prediction. The exact formula and weights are on /methodology.

Question 7

What does the confidence grade (A/B/C/D) mean?

Accepted Answer

Confidence grades how much the underlying data can support — A means every input is fresh and complete, D means every check falls short or no financial statements are on file at all. Model views ("appears undervalued", etc.) show only at grade A or B, and only when liquidity clears a published bar; grade C shows "low data confidence" instead, grade D shows facts only, with no score narrative at all. This gate is intentional — see Trust & limits below for why.

Question 8

Why don't I see a verdict for every counter?

Accepted Answer

Because most of the universe is still building the data history a verdict requires — see the counter's own confidence grade for the specific reason (statement age, thin trading, short history). The gate refuses to guess on thin foundations; that refusal is the product working, not a bug. Track it live on /status.

Question 9

What is an "archetype" (e.g. "Income fortress")?

Accepted Answer

Some holdings show archetype labels — short descriptions of a pattern in the data, such as Income Fortress or Stretched Yield. They describe what the numbers show and are never recommendations. Each label's exact criteria are shown on the methodology page.

Question 10

What does "Model view" mean?

Accepted Answer

"Model view" labels every sentence the scoring model generated, so you can always tell computed narration from a plain fact. It is never a person's opinion and never advice — the model narrates numbers it already computed, nothing more. Every AI-generated brief carries the same label.

Question 11

What is Radar?

Accepted Answer

Radar states when a counter currently matches a published, reviewable pattern — like thin trading alongside a strong composite — with every criterion and its actual value shown. It never predicts and never ranks; membership is a fact about today's data. See it live on /radar.

Question 12

What does "net of tax" mean on the asset ledger?

Accepted Answer

It is the yield after the withholding tax that actually applies to that instrument's payout — interest, dividend, or none, since a few instruments are tax-exempt. Each row carries its own tax rule; the calculator and basket apply it automatically so a comparison across instruments is apples-to-apples. See the full breakdown on /compare/assets.

Question 13

How is dividend yield calculated?

Accepted Answer

Latest annual dividend per share divided by the counter's latest closing price. It is a snapshot, not a promise — a company can cut or skip a dividend, and a share's price moves independently of its yield. See a counter's dividend history on its own page.

Question 14

What's the difference between "guaranteed" and "historical" returns?

Accepted Answer

Guaranteed means the rate is fixed at purchase and projects as a contract (T-bills, bonds). Historical means the figure is a past result, shown only as a labeled illustration of what would happen "if" it repeated — never a promise. The calculator and basket both carry this label on every projection.

Question 15

Why does the calculator show "assumptions" for every projection?

Accepted Answer

Because every projection rests on a stated assumption — a rate holding steady, a rollover happening at the same rate — and hiding that would make the number look more certain than it is. Every assumption is named next to the figure it affects. Nothing is computed silently.

Question 16

How do I watch a counter or instrument?

Accepted Answer

Tap the ☆ Watch button on any counter's page or any row on /compare/assets — it turns into ★ Watching once saved. Your full watchlist lives on /watchlist. This requires signing in, free during the open beta.

Question 17

How do alerts work?

Accepted Answer

You set a threshold — a price level, a yield level, or a projected value — and the alert fires as a plain fact when it's crossed, never a suggestion to act. Alerts are evaluated once a day, shown in-app on /account (email delivery is a queued feature). Set one from any counter's page or the asset ledger.

Question 18

Can an alert fire on stale data?

Accepted Answer

Yes, and it says so — an alert on a hand-curated instrument still fires if its threshold is crossed, but the fact carries "based on curated data as of [date], not confirmed current." Live pipeline data (equities, T-bills, MMF) refreshes daily; curated data (SACCOs, special funds, rental yields) refreshes on its own published cadence, visible on /status.

Question 19

Can I delete my watchlist, alerts, or account?

Accepted Answer

Yes — remove individual alerts and watchlist entries directly from /account or /watchlist at any time. For full account deletion, sign out and contact us; nothing here locks you in.

Question 20

Does this app tell me what to buy?

Accepted Answer

No. We show every number and exactly how we computed it — the decision stays entirely yours, and that independence is what makes the analysis trustworthy in the first place. Read the reasoning on /methodology.

Question 21

Do you take affiliate money from brokers or fund managers?

Accepted Answer

No. Broker and manager tables on the guide pages are alphabetical, never ranked, and carry no paid placement or affiliate links — we have nothing to gain from which one you pick. If that ever changes, this answer will say so plainly.

Question 22

Is this investment advice?

Accepted Answer

No — this is automated analysis for information and education, not investment advice, and nothing here is personalized to you. For advice tailored to your situation, consult a CMA-licensed investment adviser.

Question 23

Why does the model sometimes refuse to show a verdict?

Accepted Answer

Because a verdict on thin or stale data is worse than no verdict at all, so the confidence gate withholds it until the underlying data earns it — see "What does the confidence grade mean?" above for the exact rule. We built the refusal in on purpose, not as a limitation to work around.

Question 24

What do you do with my data?

Accepted Answer

Your watchlist, alerts, and account email are yours, visible only to you and never sold or shared with brokers or managers. Market data (prices, scores, yields) is public and identical for every reader — nothing about your account changes what anyone else sees.

Question 25

Who built this and why should I trust the numbers?

Accepted Answer

Every score comes from a published, documented formula — read the exact bands and weights on /methodology rather than trusting a claim. The pipeline's freshness and every collector's run history are public on /status, so the "trust us" part is replaced with "check for yourself."

Help

Getting started

Reading the data

Money & taxes

Your account & alerts

Trust & limits