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Show HN: WealthPIC – a tool to automatically generate stock/ETF portfolios (wealthpic.info)
3 points by syhpoon 1661 days ago
3 comments

Hey folks,

Just wanted to quickly introduce a small side project I've been working on for the last while. I’ve been exploring the idea of a passive income for some time now, specifically in the context of dividend-paying stocks/ETFs. Very quickly, I realized that it’s pretty challenging to be able to come up with a portfolio that would generate you a required X dollars per on average.

The task overall seemed like an optimization/search problem so I decided to try using my favorite genetic algorithms to tackle it.

So, after a bunch of months of spare-time hacking the first version of the project has been released - WealthPIC, a free Passive Income Calculator - https://wealthpic.info!

The basic idea is simple - given an objective ("I want to receive X dollars per month"), the app will generate a totally random portfolio that satisfies it. Then one can start playing with it by adding additional constraints, filters, pinning and removing entries, and so on until, hopefully, the dream portfolio is found.

The app is in a very early stage and most definitely contains bugs but I think it might already be useful enough, plus I'm hoping to continue working on it and add new features.

Would gladly accept any constructive comments and feedback.

I want to add "portfolio cost" constraint can you add that in constraint? or is it already used internally? basically i want portfolio with minimum cost that would give me x amount of passive income.

what is issuers?you mean number of stocks/etfs?

Yes, the portfolio cost minimization is not currently included in the main objective. Because of this it can produce a wide variety of portfolios for the same amount of the income. This allows one to explore a wider solution space and then gradually tune the portfolio as needed. I have it in my todo list to add a minimization as an additional objective and will start working on it shortly.

Issuer is basically just one record in a portfolio, like one company or ETF, potentially with multiple shares. This allows you to express conditions like - "I don't want more than 30 entries/issuers in my portfolio", or "it should consist of at least 20 ones" and stuff like that.

Nice tool, made me think dividend income is going to be a viable strategy in the coming years of higher interest rates.