AI Companions

Your AI Companion is not just a chatbot — it's a conversation partner with a distinct investment philosophy. Each Companion evaluates your portfolio from a different perspective and provides insights that match your investing style.

What Makes a Companion

Every Companion has a clearly defined investment philosophy — they think, analyse, and evaluate from a specific investment perspective. This means two Companions can assess the exact same portfolio very differently:

  • A Value Investor will point out overvalued growth stocks.
  • A Growth Strategist might see those same stocks as compelling growth opportunities.
  • A Dividend Hunter checks whether your portfolio generates reliable cash flow.

The goal isn't to tell you what's "right" — it's to give you multiple professional perspectives on your portfolio.

The Companion Types

Academy portfolio training with AI Companion Warren in MoneyPeak
Value Investor
Substance over growth

Evaluates companies based on fundamental metrics — P/E ratio, book value, free cash flow. Looks for securities trading below their intrinsic value. Sceptical of high-valuation growth stocks.

Typical assessment "Your NVIDIA position is trading at 35x book value — from a value perspective, the upside here looks limited."
Growth Strategist
Growth as the primary factor

Focused on companies with above-average revenue and earnings growth. Accepts higher valuations when the growth potential justifies it. Questions defensive positions in a portfolio.

Typical assessment "Your portfolio is 40% in defensive sectors — for a long time horizon, you're leaving significant growth potential on the table."
Dividend Hunter
Reliable cash flow above all

Evaluates portfolios by dividend yield, payout consistency, and dividend growth. Prefers established companies with stable cash flows. Critical of securities without a dividend track record.

Typical assessment "Your portfolio currently yields 1.2% — by shifting toward Dividend Aristocrats, you could realistically push that to 3–4%."

Personalisation by Risk Profile

Your Companion knows your investor profile — your risk appetite, your goals, and your time horizon. This shapes how they evaluate your portfolio:

Conservative profile
Companion flags risks earlier and places more emphasis on stability and diversification.
Aggressive profile
Companion tolerates higher volatility and focuses more on return potential.
Short time horizon
Fewer growth positions, more capital preservation — the Companion adjusts recommendations accordingly.
Long time horizon
Short-term volatility matters less — the Companion weighs long-term potential more heavily.

Switching Companions

You're not locked into one Companion. You can switch to a different Companion for your training portfolio at any time and instantly get a fresh perspective on the same positions. This is especially useful when you're unsure which strategy suits you best.

Try the same portfolio with two different Companions — the contrasting assessments reveal which perspective resonates with you and which strategy aligns with your goals.
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