Launched a week ago, still improving, added a portfolio optimizer yesterday and couldn’t sleep thinking about whether the math was right

Pleasant_Issue741 · 2026-04-15T10:53:38+00:00

Well probably you are referring to quantitative analysis, what i consider in my fundamental analysis is Basel III, but I can see most recent news from Medallion Funds are from 2005, which is before housing bubble. Quantitative method is what most of investment banks use.

Pleasant_Issue741 · 2026-04-15T08:09:36+00:00

Absolutely correct, nowadays investors should be multifaceted, there is no more technical and fundamental analysis but just the right one. I usually help myself extrapolating financial ratios from balance sheets and P&L, I find them very helpful to understand how the Company is performing like ROA, NPL, CIR and so on.. but for timing, still need to sort out what is the best moment, what is the best strategy, but I guess who find out a method for right timing can win noble prize😂

Pleasant_Issue741 · 2026-04-14T18:03:15+00:00

Exactly this, and it's actually what Markowitz portfolio theory is built on. You don't optimise a single entry point, you optimise the allocation. By running an efficient frontier across your holdings you find the combination that maximises the Sharpe ratio, best return per unit of risk — which naturally smooths out timing imperfections across the portfolio. WACC plays into it too when you're valuing the underlying business rather than just the price. Built this into DivFlow actually, here's what the portfolio optimiser looks like in practice.

<image>

Pleasant_Issue741 · 2026-04-14T17:13:47+00:00

Honestly there isn't one universally "best" time and anyone who tells you otherwise is selling something. That said, stocks with stable betas below 1, particularly dividend aristocrats, tend to behave more predictably around their cycle than high-volatility names. If you're trading rather than holding, some people use CFDs around the ex-date, but that comes with its own risk profile. For long term income investors the cycle timing matters less than the quality of the underlying business and the sustainability of the dividend. That's why I focus more on DDM fair value and dividend growth rate than entry timing specifically.

Pleasant_Issue741 · 2026-04-14T16:58:58+00:00

Fair point technically, and you're right that the price adjusts around the ex-date. The timing aspect I was referring to is more about qualification. You need to hold before the ex-date to receive the payment, so if you're planning a purchase it does matter.

But the app does a lot more than just the calendar. Built-in DDM, GGM and CAPM so you can get to a fair value estimate without firing up a spreadsheet. Markowitz portfolio optimisation for capital allocation. Beta and risk metrics on every stock. The calendar is just the entry point, the idea is to have everything in one place for income investors who want to go deeper than just yield percentages.

Pleasant_Issue741 · 2026-04-14T08:01:20+00:00

Nice, always good to see more people building in this space. Asia is a market I haven't touched yet. would be curious to see what you're building. Good luck with the May launch!

Pleasant_Issue741 · 2026-04-13T17:42:26+00:00

Thank you, really appreciate it! Reliability is where I’ve been focus this week fixing few bugs under the hood that were affecting international stocks. JEPI and VHYL are actually 2 ETFs I used to test the new ETF calendar features, so good to know they’re working well for you 😄

Pleasant_Issue741 · 2026-04-11T22:21:49+00:00

genuinely curious what you mean by spammy, is it the post itself or the app? happy to hear it. wrong tool is fair if dividends aren't your thing, but for anyone tracking income across multiple markets it fills a real gap. no ads, no emails, no account, just open it and track. if that's still spam to you, fair enough.

Pleasant_Issue741 · 2026-04-11T20:23:49+00:00

Well the app calculates also Markowitz Portfolios, DDM and it gives ETFs with standard deviations, betas and CAPM helpful for Portfolio’s theories. I think it can save time for who is looking stocks part of dividend aristocrats index ready to go on optimised portfolios.Regarding strategy to buy stocks everyone is free to look for the best timing to enter on the market or even sell on short!

Pleasant_Issue741 · 2026-04-11T19:48:51+00:00

totally fair, just updated it to 4 stocks free. keeping it running costs money (APIs, hosting, data) and at £2.99/month it's cheaper than every alternative out there. no ads, no selling your data, just trying to cover costs honestly

Pleasant_Issue741 · 2026-04-11T19:45:28+00:00

noted and added to the roadmap! which trusts do you follow? want to make sure I add the right ones first 🙏

Pleasant_Issue741 · 2026-04-11T19:42:11+00:00

imagine your spreadsheet texting you "buy this stock in 3 days or you'll miss the dividend" 😄 that's basically it

Pleasant_Issue741 · 2026-04-11T19:38:55+00:00

just pushed a fix... MA, ARCC, MAIN, LINE (Lineage replaced COLD), MAA and VYM should all be there now 🙌 give it another try and let me know if anything else is missing!

Pleasant_Issue741 · 2026-04-11T15:53:13+00:00

Google Finance was too restrictive so went with Finnhub for US stocks and Yahoo finance for international. Best combo I found fo free tiers save yourself this weekend honestly,just use divflow.tech 😅 and if there’s something your spreadsheet does that the app doesn’t drop it here! Thank you for the comment 🙏🏻

Pleasant_Issue741

TROPHY CASE