| I think the premise of it is awesome, but it can only be wrong. I'd like some data that proves that the retail investors of your platform end up beating S&P for a start. Companies themselves struggle to even understand their own balance sheet. There are plenty of services which offer aggregated data about balance sheets with typical market formulas. Basically there's a huge industry of sell side analysts that often create huge reports about a company, or something that is going wrong etc. It isn't really possible to distill all this information in an 'bite-sized format', as there are many variables and even some outside factors like macroeconomics and so on. Sometimes, even something that isn't shown Today in the balance sheet end up making a company over time shrink until it's gone. Wouldn't this actually create the fake perception that they are well informed before getting into a business? What if I sign up and end up seeing that my market performance by using the Apps advice is trash? What if I end up investing in a company full of intangibles that find out that those intangibles are worth nothing? If you even go to a hedge fund you might find out that most of the analysts suck, and they study their whole life for it and often have degrees in very respectable universities, while breathing all the 'financial jargons' you wrote. So, can an amateur really read a few sentences and make good investments and at least beat an index? All this without reading a book about investment or understanding a balance sheet. :-) |
Is that the goal of ESG filtering? My understanding is that people doing that accept potentially lower returns in exchange for greater moral alignment.