Training Portfolio & Optimisation Suggestions

The training portfolio is the heart of the Academy. Build virtual positions, have your AI Companion analyse them, and receive concrete suggestions on how to improve the structure.

Training portfolios are entirely virtual. They have no impact on your real portfolio and involve no real money.

Creating a Training Portfolio

  1. Open Academy in the app.
  2. If you don't have a portfolio yet, the app will guide you through onboarding (investor profile + Companion selection).
  3. Tap "New Training Portfolio".
  4. Give it a name (e.g. "My Dividend Portfolio" or "Tech Strategy").
  5. Set a virtual starting amount — this serves as the basis for allocation calculations.
  6. Add your first positions.

You can create as many training portfolios as you like — ideal for comparing different strategies side by side.

How the Companion Analyses Your Portfolio

As soon as your portfolio contains positions, your Companion analyses it automatically from multiple angles. You can also ask targeted questions. The Companion examines:

Concentration Risk
Individual positions or sectors making up too large a share of the total portfolio.
Geographic Concentration
Excessive focus on a single market — e.g. 75%+ allocation to US equities.
Sector Balance
Missing sectors (e.g. no Healthcare, no bonds) and sector overweights.
Defensive vs. Offensive
The balance between stable defensive holdings and growth-oriented positions.
Cash Flow & Dividends
Whether the portfolio generates a reliable income stream (depending on the Companion type).

Understanding the Optimisation Suggestions

The Companion gives you actionable recommendations — not generic tips, but assessments based on your actual positions and profile:

Example Companion Assessments
"Your NVIDIA position accounts for 24% of the portfolio — that's a significant concentration risk. I'd suggest bringing it below 10%."
"Your portfolio contains no bonds or defensive assets — in a market correction, you could lose disproportionately."
"You're 78% invested in US equities. Broader geographic diversification — for example Europe and Asia — would meaningfully reduce your risk."
"Healthcare has historically shown defensive strength and is completely absent from your portfolio — that doesn't match your moderate risk profile."

Every suggestion is immediately actionable: adjust positions in the training portfolio and see instantly how the allocation and overall assessment changes.

Training Portfolio vs. Real Portfolio

Training Portfolio
  • Virtual money
  • No broker needed
  • Optimised for learning
  • Companion gives active feedback
  • Delete or recreate at any time
Real Portfolio
  • Real capital
  • Broker connection or manual
  • Actual performance data
  • finAgent as your conversation partner
  • HPI, dividends, transactions
Many users test new strategies in the Academy first — then gradually apply them to their real portfolio once they feel confident enough.
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