How do you calculate my returns?

Your investment performance is calculated using a daily time-weighted return formula. This means that each day, performance reflects only changes in the value of your positions. Money that you deposit or withdraw from your accounts will not impact your returns. Your daily returns are then used to calculate the cumulative return of your investments over a specified period.

What are returns with advisor fees excluded?

Returns with advisor fees excluded measures the performance of your investments and includes profits, losses, interest, dividends, and expenses, but does not include your advisor fees.

What are returns with advisor fees included?

Returns with advisor fees included measures the performance of your investments and includes profits, losses, interest, dividends, advisor fees, and expenses. An advisor may try and mislead you, but always remember that you should look at your returns including their fees when reviewing performance.

Why are my returns on StackUp different from my brokerage firm?

We can only measure returns, risk, allocation, and fees for the positions and historical transactions that we receive from your brokerage firm. Let us know if the results are not what you expect!

How do you calculate my risk?

Your investment risk measures how your existing portfolio would have performed during historical market crashes. If you own securities that did not exist during a historical crash, they  are replaced with a proxy that closely matches their asset classification. Your average crash loss is calculated by the average loss your portfolio realized during the five market crashes.

Why should I consider my risk an estimate?

The crash returns do not reflect the impact of trading costs, execution slippage, or other expenses that impact real investment accounts. Returns in a future market crash may affect your positions differently than historical crashes as well. Consider the average crash a guide to help you understand the risk you are taking as it relates to well-known historically declining markets.

How do you calculate my allocation?

Your investment allocation presents the percentage of your portfolio invested in US Stocks, International Stocks, Bonds, Cash, and Other securities. To determine this, we assign an asset class to each of your positions. Then we divide the total value of each asset class by the value of your total investments to obtain the percentage allocation in each asset class.

How do you determine the asset class assigned to my positions?

To bring you accurate classifications we partnered with leading financial data providers For mutual funds and ETFs, we use a technique called look-through. This allows us to classify the underlying holdings of these products and present you with the best possible allocation breakdown of your positions.

What are my allocations to Other securities?

The other allocations category is reserved for securities that do not fit our traditional US Stock, International Stock, Bond, and Cash asset classes. Often you will find a small allocation to Other from investments you have made in mutual funds which hold futures, options, or various alternative investments. You may also find private securities that are not traded on the public markets in the Other category. Let us know if you think one of your positions should be allocated differently!

How did you determine my current annual fees?

We are measuring the fees that you have paid to your advisor, for trades, and other fees. Fund fees are determined using the internal expense rates of your mutual fund, ETF, and other commingled positions.

Why is my advisor fee missing?

Advisor fees are typically paid monthly or quarterly. Sometimes we are only able to collect limited historical transactions that do not contain a payment to your advisor from which we can measure your fee. Rest assured, an advisor fee will appear as soon as they withdraw funds from your account. Let us know if the fees presented are inaccurate!

How do you calculate my fees over the next 30 years?

We grow your investments by an annual return goal determined by your Risk Tolerance and subtract your current fees. The result is an estimated amount of you would pay over the next 30 years.

How did you determine my historical returns?

We calculate the historical returns of your current portfolio assuming that it remained the same. Your historical returns are an estimate and do not reflect the result of actual trading.

I found missing or incorrect information, what do I do?

Please let us know so we can look into it. The more information you can give us about the positions, accounts, section of the website, etc. the better we can help you!

I’m having trouble finding my financial advisor, what do I do?

Let us know which advisor you work with and we can help you get set up. Please be sure to search using the advisor’s legal name and not a nickname.

I’m having trouble adding my brokerage account to StackUp, what do I do?

Sorry for the inconvenience! Let us know which brokerage account you are trying to link and we will get to the bottom of it. It is helpful to know if you use Quicken or Mint.com and have successfully imported your account over there.

Can Other Users see my balances or investment data?

No way! Your investment accounts, returns, and all other data on StackUp is visible only to you. No other user can see your informationYour investments are kept private!

Who makes up Other Similar Users?

Everyone on StackUp is assigned to a peer group. Your assigned peer group is made up of all users who share your Risk Tolerance. Your peers are de-identified and aggregated.

Is StackUp secure?

Yes! StackUp uses bank-grade security including 256-bit SSL encryption to protect your financial information. StackUp does not store your bank login information and no one can move your money or trade in your accounts – not even you!

Why does StackUp need my brokerage account login?

StackUp uses your brokerage account login information only when you first connect your investment accounts to automatically collect your positions and transactions. After connecting your investment accounts, StackUp uses a secure token to obtain updates to your accounts.

Does StackUp store my brokerage account login information?

No! StackUp never stores your brokerage account login information. When you first connect your accounts during onboarding, we receive a different secrete encrypted code that StackUp uses to collect information going forward. We will never store your login credentials.

What does StackUp do with my data?

StackUp uses your data to help you better understand how well of an investor your financial advisor, robot advisor, or you are by comparing your investments to a de-identified aggregated peer group based on your Risk Tolerance. StackUp does not share or sell your personal data with third parties. If you have any questions about this, don’t hesitate to ask!

How do you make money?

StackUp is currently free to all users. In the future, we will be rolling out premium features for a fee. Be sure to take advantage of our free offer while it lasts!

How are my ratings calculated?

Ratings are calculated using a proprietary algorithm to compare your returns, risk, allocation, and fees with your peers. Your Overall StackUp Rating is an average of your returns, risk, allocation, and fee ratings.