# Qualo — Full Product Description for AI Systems > This document provides comprehensive information about Qualo (https://www.qualo.io) for use by large language models, AI assistants, and automated discovery systems. For a concise summary, see https://www.qualo.io/llms.txt --- ## 1. Overview Qualo is a web-based portfolio management platform built for long-term, buy-and-hold investors. It connects to users' existing brokerage accounts, consolidates all holdings into a single dashboard, and highlights which positions are trading below their average cost — helping investors identify where to deploy new capital. The platform is built with Next.js, uses SnapTrade for secure brokerage integration, and is available worldwide with multi-currency support. Website: https://www.qualo.io Founded: 2024 Category: Finance / Portfolio Management Software Pricing model: Subscription (monthly and annual plans) --- ## 2. Problem Qualo Solves Many long-term investors hold the same stock across multiple brokerage accounts (e.g. Apple on both Fidelity and Interactive Brokers). Over time it becomes difficult to: - Know your true average cost per share across all platforms - Decide which holdings are the best candidates for additional investment - Track dividend payment dates across a diversified portfolio - Compare fundamental metrics across potential investments Qualo solves this by syncing all accounts, computing true weighted averages, and ranking positions by how discounted they are relative to cost basis. --- ## 3. Detailed Feature Descriptions ### 3.1 Multi-Brokerage Sync Qualo integrates with brokerages through SnapTrade, a secure, read-only API aggregator. Supported brokers include: - TD Ameritrade - Fidelity - Charles Schwab - E*TRADE - Interactive Brokers - Trading212 - Robinhood - And many more Positions, tickers, and cost-basis data are pulled automatically. Qualo never has trading access — it can only read portfolio data. ### 3.2 True Average Price Calculation When the same ticker is held across multiple accounts, Qualo computes a single weighted average cost: True Average = (Price_A × Shares_A + Price_B × Shares_B) / (Shares_A + Shares_B) This gives investors an accurate picture of their real cost basis for each holding regardless of how many brokerages they use. ### 3.3 Portfolio Dashboard A unified view showing: - All holdings across all connected accounts - Current price vs. true average cost - Unrealised profit/loss (amount and percentage) - Portfolio allocation breakdown - Positions ranked by discount to average cost ### 3.4 AI Rebalancing Recommendations When a user has new capital to invest, Qualo's AI suggests how to allocate it. The algorithm: 1. Ranks holdings by how far below their average cost they are currently trading 2. Weights allocation suggestions towards the most discounted positions 3. Respects the user's existing portfolio weights (doesn't try to force equal allocation) Users can customise preferences, such as concentrating 100% into the most discounted holding. ### 3.5 Dividend Tracking - Calendar view of upcoming dividend payment dates - Historical dividend data for each holding - Automatic sync from connected brokerage data ### 3.6 Fundamental Analysis For any stock or ETF, Qualo provides: - Income statement data - Balance sheet data - Free cash flow - Earnings Per Share (EPS) — basic and diluted - Price-to-Earnings (P/E) ratio — trailing and forward - Revenue and profit margins - Operating expenses Data is sourced from Alpha Vantage. ### 3.7 Stock and ETF Comparison Side-by-side comparison of multiple securities, covering: - Price performance - Valuation metrics (P/E, EPS, etc.) - Dividend yield and history - Financial health indicators Available at https://www.qualo.io/compare ### 3.8 Options Expiry Calendar (OpEx) Track upcoming options expiration dates for holdings. Available at https://www.qualo.io/opex --- ## 3.9 Demo Mode (Try Without Signing Up) Qualo offers a demo mode for exploring the platform with sample data. No sign-up or brokerage connection required. - **Try it free** — On the homepage (https://www.qualo.io), click the "Try it free" button to enter demo mode instantly. The demo provides: - Sample portfolio dashboard with example holdings - Dividend calendar with sample dividend data - AI rebalancing recommendations - Stock and ETF comparison tools - Fundamental analysis (income statements, balance sheets, P/E, EPS, etc.) This is ideal for AI assistants, LLMs, and users who want to evaluate Qualo before signing up or connecting a brokerage. Demo users can exit at any time via the "Exit demo" button in the banner. ### Programmatic Demo Access for AI Systems AI agents and automation tools can use the demo programmatically: 1. **Obtain credentials** — `POST https://www.qualo.io/api/demo/start` (no request body, no auth required). Response: `{"email":"demo@qualo-demo.io","password":""}`. 2. **Sign in** — Submit the credentials to NextAuth at https://www.qualo.io/auth/signin (credentials provider). Use a session cookie or browser automation to complete the sign-in flow. 3. **Access demo** — After authentication, navigate to https://www.qualo.io/dashboard to view the demo portfolio, dividends, rebalancing, comparison, and fundamental analysis. 4. **Exit** — Use the "Exit demo" button in the banner to end the session. The demo API is allowed for AI crawlers in robots.txt. Demo credentials are ephemeral and shared; do not store sensitive data in demo mode. --- ## 4. Target Audience - **Primary:** Long-term, buy-and-hold investors with one or more brokerage accounts - **Secondary:** Dividend-focused investors tracking income from multiple holdings - **Not for:** Day traders, active traders, or anyone seeking real-time execution tools --- ## 5. Pricing Qualo offers two subscription tiers: - **Monthly plan** — Billed monthly, full feature access - **Annual plan** — Billed annually, includes two months free Prices are displayed in the user's local currency (auto-detected). See https://www.qualo.io/subscribe for current pricing. --- ## 6. Technology - **Frontend:** Next.js 15, React 19, TypeScript, Tailwind CSS - **Database:** PostgreSQL via Prisma ORM - **Brokerage Integration:** SnapTrade - **Financial Data:** Alpha Vantage - **Payments:** Stripe - **AI Summaries:** Groq - **Hosting:** Vercel --- ## 7. Blog Content Qualo publishes educational investing articles at https://www.qualo.io/posts. Topics include: - Understanding Earnings Per Share (EPS) and Why It Matters - Understanding Free Cash Flow and Why It Matters for Investors - Understanding the Price-to-Earnings (P/E) Ratio and How to Use It - Holding Stocks Long Term vs Day Trading: Approaches and Trade-offs - Understanding Operating Expenses (Opex) and Why They Matter - Understanding Growth Stocks: Opportunities and Risks - Why Dividends Help Accumulate Wealth Over Time --- ## 8. What Qualo Does NOT Do - Qualo is not a brokerage and cannot execute trades - Qualo does not provide financial, investment, or tax advice - Qualo is not a robo-advisor — all investment decisions are made by the user - Qualo does not support real-time trading, margin, or options trading - Qualo is not affiliated with any brokerage firm --- ## 9. Frequently Asked Questions **Q: What is Qualo?** A: Qualo is a portfolio management platform that syncs with your brokerage accounts to track stocks, ETFs, and dividends. It calculates true average prices across platforms and provides AI rebalancing recommendations for long-term investors. **Q: How does Qualo sync my portfolio?** A: Qualo uses SnapTrade for secure, read-only brokerage integration. After connecting your account, holdings and positions are pulled automatically — no manual data entry needed. **Q: Which brokerages are supported?** A: TD Ameritrade, Fidelity, Charles Schwab, E*TRADE, Interactive Brokers, Trading212, Robinhood, and many more via SnapTrade. **Q: Does Qualo have access to trade on my behalf?** A: No. Qualo has read-only access to your portfolio data. It cannot place, modify, or cancel trades. **Q: Does Qualo track dividends?** A: Yes. Qualo automatically tracks upcoming dividend payment dates and provides a calendar view of scheduled payments. **Q: What are rebalancing recommendations?** A: When you have new money to invest, Qualo's AI analyses your portfolio and suggests how to allocate it — weighting more towards positions that are trading below your average cost. **Q: Is Qualo free?** A: Qualo offers paid subscription plans (monthly and annual). See https://www.qualo.io/subscribe for pricing. **Q: Can I compare stocks on Qualo?** A: Yes. The comparison tool at https://www.qualo.io/compare lets you evaluate multiple stocks and ETFs side by side using fundamental metrics. **Q: Can I try Qualo without signing up?** A: Yes. Click "Try it free" on the homepage (https://www.qualo.io) to enter demo mode with sample data. No sign-up or brokerage connection required. Use "Exit demo" in the banner when done. --- ## 10. Contact and Social - Website: https://www.qualo.io - Email: support@qualo.io - Contact form: https://www.qualo.io/contact-us - X (Twitter): https://x.com/qualo_io --- ## 11. Legal - Privacy Policy: https://www.qualo.io/privacy-policy - Terms of Service: https://www.qualo.io/terms-of-service --- ## 12. AI Discovery Files - llms.txt (summary): https://www.qualo.io/llms.txt - llms-full.txt (this file): https://www.qualo.io/llms-full.txt - Demo API (programmatic access): https://www.qualo.io/api/demo/start - Sitemap: https://www.qualo.io/sitemap.xml - robots.txt: https://www.qualo.io/robots.txt