How it works
Four steps, then it runs without you.
Most people do the research once, at the moment they buy, and never again. Not because they do not care, but because re-reading every filing every quarter is an afternoon nobody has. This is the part we take over — and only that part.
- Step 1
You write down why you own it
In your own words, the way you would explain it to a friend. That sentence is the thing we protect: we never invent a reason you did not give, and anything we had to assume is labelled as our assumption, not yours.
- Step 2
We propose three checkpoints, and you confirm them
Each one ties your reasoning to a figure the company actually reports, with a starting point taken from a real filing. You can change the measure, the direction, the level that matters, or the wording. Nothing is monitored until you say these are yours.
- Step 3
We read every new filing against them
Scheduled checks read new 10-K, 10-Q and 8-K filings from SEC EDGAR and compare the reported figures with your checkpoints — the same quarter a year earlier, from the same reporting basis, so seasonality is not mistaken for change.
- Step 4
You get a short briefing with the evidence
What changed, what it was compared with and when, which checkpoint it touches, where the figure came from, and what remains uncertain. Plus, plainly, whether the checkpoint still holds. Never a buy or sell instruction.
Four states, always explicit
Most monitoring products have two states: alert and silence. Silence then means both “nothing happened” and “we failed to look”, which is the failure mode that matters. Ours are separate and named.
New evidence to review
A filing moved this checkpoint enough to be worth your attention.
No material change
We read the newest filing and this checkpoint still holds. Most quarters look like this, and that is useful.
Not yet assessed
No filing we can read reports this measure yet, or there is nothing comparable to measure it against.
Source unavailable
We could not read the source. Nothing was checked. This is never shown as reassurance.
One source, named
SEC EDGAR — the companies’ own filings and the structured XBRL figures inside them. 50 covered US-listed companies, with published freshness. No prices, no news feed, no analyst estimates, no social media.
Three kinds of statement, kept apart
What a filing reported, what we calculated from it, and how a model read it are labelled separately everywhere. Only the last one can be wrong in prose, and it is never what the state is based on.
Runs on a schedule, not on you
Checks run twice a day on our servers, whether or not you are logged in. Briefings appear in the app; email is off until you turn it on, with a one-click unsubscribe that never stops your monitoring.
Start with one company, free
Watch one holding, with the same evidence trail. When you want your real portfolio watched, Monitor is $29 a month for up to 20 companies.