What is Portfolio Architect?
A rule-based strategy workbench. You define how to pick stocks, when to sell, and how to rebalance — we run it for you, either historically (backtest) or live.
Who is it for?
- Long-term investors who want a system, not gut calls
- Anyone tired of spreadsheets and noisy tips
- People who value transparent, explainable decisions
First time?
Watch the 90-second demo first. Then pick a plan that matches how many portfolios and backtests you'll actually use.
How do plans work?
Annual subscriptions, no per-action charges. Your plan sets the ceiling on portfolios, backtests, and which screens you can access.
Which plan should I pick?
- Basic — first-time builder, one strategy at a time
- Pro — serious investor, multiple strategies, full parameter set
- Enterprise — advisors and family offices, 25 portfolios, unlimited backtests
No surprise charges
One transparent annual price. Upgrade or downgrade anytime — usage carries over to the new tier.
Explore New Strategy vs Import
Build — define your own rules from a blank canvas. Recommended if you're learning or want full control.
Import — already invest with a broker? Connect read-only (or upload CAS/CSV) and get a Health Report on your existing holdings, including Portfolio IRR.
What happens after I start?
- 9 guided rule-engine screens
- Backtest or take live (your choice)
- Save as draft and resume anytime
Is connecting safe?
Yes. Access is read-only — we can see your holdings but can never place trades or move money. Login uses your broker's OAuth, tokens are AES-256 encrypted at rest, and everything moves over TLS 1.3.
Don't see your broker?
Use Upload instead. Your NSDL/CDSL CAS works for every demat account, regardless of broker.
Why connect?
A live connection keeps holdings and prices fresh automatically — no re-uploading each time.
Which method should I pick?
- CAS (recommended) — one PDF covers every broker & demat
- CSV / Excel — quick if your broker exports holdings
- Manual — best for small, focused portfolios
What is a CAS?
A Consolidated Account Statement from NSDL or CDSL listing all your holdings across brokers. Request it from your depository and download the PDF.
Universal fallback
If your broker isn't supported for a live connection, CAS is always the safe choice.
What is the Health Report?
A read-only diagnostic of the portfolio you just imported — value, holdings, average Mojo Score, action items, and how disciplined rules would have changed your last 3 years.
Reading the holdings table
- Exit — scores below your floor; rules would sell
- Profit book — large gains worth trimming
- Watch — weakening; not yet actionable
- Strong hold — healthy, keep as-is
Portfolio IRR
Your money-weighted annualised return since you started investing — the honest number for how this portfolio has actually done, accounting for every add and withdrawal.
What is a Case File?
The full reasoning behind one alert — the score history that triggered it, what's dragging the score, the tax consequence of acting now vs waiting, and recent news context. Everything you need to decide in one place.
Your four choices
- Execute — act on the signal now
- Limit Order — act only at your chosen price
- Override — keep it, against the rule (with a reason)
- Snooze — re-check at the next rebalance
Why we ask for a reason
An override is a signal, not a dismissal. Your reason trains Mojo Monk and sharpens future alerts — it's never held against you.
What "adopting" means
You're applying a ready, backtested set of rules to your imported portfolio instead of building your own. We align your holdings to the strategy's rules.
Keep / Sell / New buys
- Keep — holdings that already pass the rules
- Sell — holdings that breach the rules
- New buys — qualifying stocks to add
You're in control
Nothing executes automatically. After you apply, every buy and sell is shown for your approval before it goes live.
Naming your strategy
Pick a name that describes the thesis — "Alpha Select", "High Dividend", "Banking Leaders". You can't reuse a name across your strategies.
Investment amount
Minimum is ₹1 Lakh. This is the capital your strategy will deploy at the start. You can add more later via "Additional Investment".
Strategy Type
- Long-term — hold for years, low turnover
- Swing — weeks to months
- Dividend — yield-focused
- Value / Growth — style classification
Tip
You can change everything later. Nothing is locked until you go Live.
What's a backtest?
We run your rules against real historical data — like time-travelling your strategy back to 2018 — and show how it would have performed.
Period
Longer periods are more reliable. 5+ years recommended. Includes bull, bear, and sideways markets.
Additional Investment
Simulates the SIP behaviour — adding fixed amounts periodically. Minimum 10% of initial capital, on weekly/monthly/quarterly basis.
Brokerage
Real-world cost simulation. Use 0.05% (typical discount broker) or your fixed per-trade fee.
Plan limit
Each backtest counts against your plan limit (Basic 10 · Pro 50 · Enterprise unlimited). It's only deducted when you click "Run Backtest".
Why ~15 minutes?
We replay your rules day-by-day across years of data — applying every entry, exit, and rebalance condition. That's millions of evaluations.
Can I leave?
Yes. We'll notify you (email + in-app) when it's done. Your progress is saved.
Reading the metrics
- CAGR — your annualised return
- Max Drawdown — worst peak-to-trough drop
- Sharpe — return per unit of risk (>1 is good)
- Success Rate — % of profitable trades
Comparing to NIFTY
The dashed line is BSE500. Your strategy is the gold line. The gap is your alpha.
Important
Past performance ≠ future results. Backtests show what would have happened, not what will. Use them to validate logic, not predict returns.
What happens when I activate?
- The exact stocks listed will be marked as your target portfolio
- You'll receive a buy-list to execute via your broker
- Monthly rebalance kicks in automatically
- You'll get an alert for every entry, exit, and rebalance
Can I stop later?
Yes, anytime from the Live Portfolios screen. No penalty.
Reading the dashboard
- Today's P&L — only today's movement
- XIRR — return that accounts for SIP-style additions
- Invested vs Current — total deployed vs current value
Impact Analysis
Shows what your portfolio would look like if you hadn't executed the latest rebalance. Helps you trust (or question) the system's calls.
Every action is traceable
For every stock that entered or exited, you see the exact rule that triggered. Click any alert to see the underlying data.
Notification channels
- In-app (always on)
- Email (for entries/exits)
- SMS (rebalance day only)
Your home base
All strategies in one place — drafts, backtested, live, stopped. Click any card to dive deeper.
Status colours
- ● Live — running in production
- ● Backtested — ready to take live
- ● Draft — incomplete
- ● Stopped — paused or archived
Quick action
Click + New Strategy to start. Or duplicate a backtested one to iterate on a working idea.
What the numbers actually mean
Over the 8.5-year window from Jan 2018 to Jun 2026, this strategy compounded at 24.6% CAGR — beating the BSE500 by 12.5 percentage points annually. The largest drawdown was −18.4% during the March 2020 COVID crash, with a 9-month recovery. Success rate stayed above 65% in every calendar year except 2020. The strategy outperformed strongly in bull phases (+38% avg) and held up well in bear phases (−8% avg vs NIFTY's −22%), suggesting the Mojo Score and ROCE filters successfully avoided the weakest names during downturns.