How the figures work, and what the app does with them
What each number on a portfolio screen actually measures, what leaves your computer, and why the app is built the way it is.
Returns and figures
Your fee report says 5 EUR. Your portfolio paid 25.50.
Buy 10 shares for 100 EUR with a 9.90 EUR commission, pay a 5.00 EUR account fee, and receive a 40 EUR dividend with 10.60 EUR withheld. Stonqs's charges report lists 5.00 EUR. The costs behind its cost rate are 25.50 EUR. Both are correct, because they answer different questions.
5 min readYour share rose 10 % and you still lost money
A holding has a currency, the money that paid for it has a currency, and your report has a third. When they drift apart, part of your return is the exchange rate rather than the company. Here is that split, worked out, and where the rates behind it come from.
4 min readWhy your two returns disagree
Time-weighted return measures the portfolio. Money-weighted return measures you. Put 10,000 EUR in before a good year and 40,000 EUR in before a bad one, and the same three years read as 5.9 % a year or 1.3 % a year, depending on which question you asked.
5 min read
Privacy and your data
What the AI assistant can and cannot do
The assistant has 70 tools. Three of them read nothing about your portfolio, 36 are reads that ask once and can be granted for a chat, and 31 write to your data and ask every single time, with no permission carrying over. Here is the whole model, including what it refuses to do.
5 min readWhat the profile password protects, and what it does not
Stonqs keeps your portfolio in one file on your own disk. Give the profile a password and that file is encrypted with SQLCipher under a random 256-bit key, which your password only ever unlocks. That stops a stolen laptop and a copied backup. It does not stop four other things.
5 min read