Reference

Portfolio Builder

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A hidden robo-advisor mode that produces a full allocation plan from seven inputs. Click the Finny logo in the TUI to unlock it.

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How to find it
Click the Finny logo to unlock the Portfolio Builder. It's intentionally off-the-main-flow — strategy generation is Finny's primary use case; this is the portfolio counterpart.

The seven inputs

ParameterOptions
Funds$1K – $250K
CurrencyCAD, USD, EUR
AccountTFSA, RRSP, Non-registered, Other
Horizon1y – 10y+
RiskConservative, Balanced, Growth, Aggressive
UniverseStocks, ETFs, Crypto, Bonds
GeographyGlobal, North America, Canada-heavy

What it outputs

A markdown allocation plan with two layers: a top-level sleeve breakdown (equities / fixed income / crypto / cash), then concrete tickers with weight, dollar amount, sector, region, and a short per-pick rationale.

TFSA-aware rules

US-listed equities
Flagged for the 15% withholding tax on dividends inside a TFSA — the Canada–US tax treaty doesn't apply.
US-listed REITs
Avoided in TFSAs — the full distribution is taxed as ordinary income at source.
No day-trading suggestions
Frequent intraday turnover inside a TFSA risks CRA reclassification as business income, defeating the tax shelter.
Contribution room mention
Recommendations call out the contribution-room concept so allocations stay within the user's available headroom.

Portfolio backtest

After the plan is delivered, the agent offers to backtest it. The finny_portfolio_backtest tool:

  • Accepts ticker + weight pairs (max 50 tickers, weights must sum to ~1.0).
  • Fetches historical prices via yfinance.
  • Auto-detects the listing currency per ticker (e.g. VFV.TO in CAD, VOO in USD).
  • Auto-FX-converts mixed-currency portfolios into the target currency before computing returns.
  • Simulates buy-and-hold or periodic rebalancing — none, monthly, quarterly, or yearly.
  • Returns CAGR, Sharpe, max drawdown, annualized vol, and per-ticker contribution + PnL.
  • Derives the annualization factor from the actual sampling frequency — 252 for equities, ~365 for crypto, blended for mixed.

Example payload

json
{
  "holdings": [
    {"ticker": "VFV.TO", "weight": 0.40},
    {"ticker": "XIC.TO", "weight": 0.20},
    {"ticker": "VEE.TO", "weight": 0.15},
    {"ticker": "BTC-USD", "weight": 0.10},
    {"ticker": "ZAG.TO", "weight": 0.15}
  ],
  "target_currency": "CAD",
  "start": "2020-01-01",
  "end": "2025-01-01",
  "rebalance": "quarterly"
}