Quantic for Boglehead investors
An honest account: roughly a fifth of Quantic is useful to you, and the rest is built for people who pick individual stocks.
If you own three index funds and your plan is to keep buying them for thirty years, most investing software is trying to sell you something you have already decided not to do. So it is worth being direct about which parts of Quantic are for you.
The useful fifth: a ledger that tracks what you paid across brokers and currencies, ongoing charges and holdings for the funds you own, closed positions when you eventually sell, a tax report assembled from your own records, full CSV and JSON export with no lock-in, and a retirement projection that models a growth pool rather than assuming you live on dividends. The other four fifths — per-stock dividend safety, fair-value models, the buy planner, options — are built for stock pickers, and you can ignore them without the app nagging you.
The biggest gap for you: Quantic has no asset-allocation or rebalancing view. It does not model bonds, cash or a target split, and it will not tell you that you have drifted from 80/20. It also has no total-return figure against a benchmark, which for an indexer is close to the only number that matters. If those are what you came for, Quantic is not there yet.
How to start
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1
Import your broker statement and check the cost basis on each fund.
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2
Set the retirement projection to lean on the growth pool rather than the dividend pool.
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3
Take a JSON backup so you always hold your own copy of the record.
Key terms
- ETF
- An exchange-traded fund — a single tradeable ticker holding a basket of stocks or bonds, so one purchase gives you the whole basket's diversification, usually at a low cost.
- Expense ratio (TER)
- The yearly fee a fund or ETF charges, as a percentage of what you hold — quietly deducted from returns, so a lower expense ratio leaves more of the yield in your pocket.
- Cost basis (average cost)
- What you actually paid for the shares you hold, per share — the money you put in, including the commission, spread across your shares. Buying more at a different price moves it; selling doesn't, because selling doesn't change what the shares you kept cost you. It's the baseline your gain, your yield on cost and any future tax calculation are measured against.
- Path to freedom
- Quantic's projection of when your dividend income could cover your living costs — your dividend-FIRE date.
Quantic · Free
Try it with your own portfolio
Every guide above describes the free tier. Create an account and import your broker statement, or explore a sample portfolio first — no signup needed.
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