How it works
Here's what Sagaa does for you
Start here
Tell us about yourself
Tell us about your life stage, investment horizon, and financial cushion. Sagaa calibrates every insight to who you actually are.
Your answers
Life stage
Approaching retirement
Experience
3–5 years
Time horizon
3–8 years
Emergency cash
3–6 months
Your risk profile
ModerateBalanced — growth and stability in equal measure. Every read Sagaa gives you is calibrated to this. A portfolio that swings too hard is a flag, not a feature.
Your portfolio
Import your holdings
Sagaa already knows who you are. Add your holdings and it can assess what your portfolio actually means for your situation — and give you a health read built around you, not the market in general.
Portfolio Health
If the market drops 10%, your portfolio could drop around 14%. That’s a bit more than your profile suggests you’re comfortable with.
MSFT is 41% of your portfolio. If that stock has a bad quarter, your whole balance feels it.
You’re getting closer to needing this money. The more growth-heavy it stays, the more a bad market at the wrong moment can hurt.
Your thinking partner
Get your read
Armed with your profile and holdings, Sagaa gives you a contextual read on every stock you analyze.
What are you looking to do?
How long are you holding?
What Sagaa thinks
Microsoft is a strong business — but at 41% of your portfolio, adding more increases a concentration that's already flagged. Buying more here means the stock has to keep working hard for your whole portfolio, not just as one position.
What to keep in mind
With a moderate risk profile and 3–8 year horizon, a single bad quarter for MSFT affects your whole year. Before adding, consider whether you're comfortable with MSFT climbing above 45–50% of your holdings.
Is it pricey?
34.2×
Paying $34 per $1 of earnings.
ExpensiveIs it growing?
+16.0%
Revenue growth last year.
SteadyIs it profitable?
36¢ per $1
Profit per $1 in sales.
StrongYour exposure
41.2%
Of your total portfolio.
ConcentratedAsk Sagaa about MSFT
It's a reasonable instinct — MSFT is a quality business. But at 41% of your portfolio, adding more means one stock is doing even more of the heavy lifting. For a moderate risk profile approaching retirement, that's worth pausing on. You have a 3–8 year horizon, which doesn't leave a lot of runway if MSFT hits a rough patch at the wrong time. If you still want to add, sizing it carefully — say, a small position that keeps you under 45% — is a more measured way in than a full buy.
Every weekday
Daily digest after market close
After the bell, a plain English email about what moved in your portfolio that day and why it matters — only what you hold, no noise.
Stay intentional
Log your trades
Record why you bought and sold. Your trade journal keeps you intentional — and gives Sagaa context on your decision-making over time.
Sold 15 of 50 shares
MSFT was sitting at 41% of my portfolio — way too concentrated for where I am. Still believe in the business long-term, but Sagaa flagged the concentration and the read confirmed it. Trimmed down to ~28% to bring the balance closer to my moderate profile. Keeping the rest.
Our commitment to you
What Sagaa won't do
Tell you what to buy or sell
That's your decision — we're here to sharpen your thinking, not replace it.
Drown you in charts and jargon
The whole point is to make analysis readable for a real human being.
Sell your data
Your data is yours alone — we don't share it, monetise it, or use it for anything outside of helping you.
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Everything you need to make sense of what you own — built around you.
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