A short conversation, not a form
You sign up, and Sofia asks a few quick questions - your experience level, your goal, your time horizon, your comfort with risk. No jargon, no long questionnaire before you see any value.
Right after, a short, interactive welcome happens inside the chat itself - not a static tour. Sofia shows you the 2-3 things that matter most, in plain language, then gives you one clear first step. Not a menu of options to figure out on your own - usually, your first lesson in the Academy.
Building the foundation
12 structured tracks, from Foundations to Advanced, each ending in a short quiz. Sofia remembers which tracks you've completed - and quietly tracks which topics you got wrong, not to judge you, but to adjust how she explains things later.
Practice with no real money at risk
Five practice tools, none of them with real money on the line. Depending on the tool, SteadFolio uses live market prices, historical market data, virtual money or assumptions you choose. It is built for learning and practicing long-term investing, not day trading:
- ETF Evaluator - compare ETFs on cost, historical performance, and geographic exposure, with an explicit warning if something overlaps with what you already hold.
- DCA Simulator - visualize systematic investing over time at an assumed return you choose, compared with holding cash.
- Portfolio Simulator - model a full allocation strategy before committing to one.
- Historical Scenarios / Panic Mode - step into the decision seat during real historical events (the 2008 financial crisis and the 2020 COVID-19 crash are free today; more scenarios are planned), see what actually happened, and let Sofia walk you through the behavioral side of it - why panic-selling usually hurts more than the drop itself.
- Paper Trading - €10,000 in virtual money, real prices, with an explicit nudge toward holding positions rather than quick in-and-out trades. Not a trading simulator - practice for long-term thinking.
Apply it to your actual portfolio
This is where what you practiced meets your real financial life. SteadFolio does not execute investments: any real investing happens with a broker you choose, and you track it here manually.
- My Portfolio - real ETFs and stocks, added manually. Connecting a broker is a planned SteadFolio+ feature and isn't available yet.
- A real goal (My Status) - a name, an amount, a time horizon.
- Budget Calculator - what you can realistically invest each month.
- Watchlist - track things without committing to them yet.
Sofia checks in, so you don't have to go looking
Sofia speaks first when you come back (at most once a day), and picks whichever of these is actually most relevant right now:
- You haven't done your goal's monthly check-in yet
- Your portfolio has shifted meaningfully since your last visit
- You have a DCA plan but haven't looked at it in weeks
- You've done a lot of practice - maybe it's time for a real goal
- One holding has grown into an outsized share of your portfolio (concentration risk) - always explained educationally, never as "sell this"
Beyond that: My Progress (streak, level per topic), Portfolio Audit (full diversification analysis), and What-If (what would have happened if you'd invested elsewhere instead).
The loop continues - and deepens
Every reflection point can lead back into Learn (a new lesson), Practice (a new scenario), or Apply (a new goal, a new position). It's not a straight line - it's a spiral that keeps returning and going a little deeper each time.