Frequently asked questions

No. Ruki is only for recording and tracking: it doesn't buy, it doesn't sell and it doesn't make recommendations. You trade at your broker and Ruki shows you how you're doing.

No. Ruki doesn't connect to your broker, doesn't ask for your credentials and has no access to your money. You add your transactions by hand or import them from a spreadsheet.

How much you really made is what's left after counting everything, not just the difference between what you paid and today's price. Ruki adds the dividends and coupons you received, uses the exchange rate of each purchase instead of an average for the whole portfolio, adjusts quantities for splits and keeps counting what you've already sold.

Brokers usually show the difference between what you paid and the current price, and nothing else: they don't count the dividends you already received, they use a single exchange rate for the whole portfolio and, in Argentina, they often delete closed transactions after a year or two. On top of that, there's more than one valid way to annualize a return, so part of the difference is that Ruki and your broker measure differently, not that either of them is wrong.

Yes, and it's one of the most common reasons to use Ruki. You assign a broker to each transaction and see a single portfolio with everything together, no matter how many places you trade at, and you can filter by broker when you want to look at just one. No broker will show you what you hold at another, and if you open a new account or switch brokers, your history doesn't get split into pieces: it stays whole in one place.

Yes. A CEDEAR is an Argentine certificate that represents a fraction of a foreign stock, and Ruki values it at that stock's dollar price divided by its conversion ratio. That's its reference value: in the market, the CEDEAR may trade at a premium or a discount to that number.

To value in dollars the assets that are quoted in pesos. Argentine stocks and Argentine ADRs are converted to dollars at the CCL, and bonds, corporate bonds (ONs) and peso mutual funds at the MEP. Whatever is already quoted in dollars doesn't need them. Ruki also saves the implied exchange rate of each purchase you made, which is the one that tells you how much that particular transaction returned.

Yes, and it's one of the biggest differences from the quick math. You record the dividend or coupon you received and Ruki adds it to the gain/loss of the asset that paid it. A stock that rose a little but paid dividends for years may have returned quite a bit more than it looks from the price alone.

Ruki records them and automatically adjusts the quantities and prices of your earlier purchases, so your history stays consistent and your return isn't distorted. Keep in mind that in a split the total value of your position doesn't change: you hold more shares and each one is worth proportionally less. The trickiest case is CEDEARs, because sometimes the foreign stock splits and what changes in Argentina is the conversion ratio: Ruki handles both situations.

You can sell part or all, and you choose which purchase the shares you sell come from. You're not locked into first-in, first-out. That changes the gain/loss on the sale, so Ruki lets you decide.

Yes. You can import your portfolio from an Excel spreadsheet, and from the files you download from several Argentine brokers. Ruki first shows you a preview of what it understood so you can check and correct it, and only then does it get added.

That's the idea. In a spreadsheet you update the prices yourself, you type in the exchange rate by hand and dividends get lost in the shuffle. Ruki updates prices and the exchange rate every day, and you record dividends once and they stay counted for good. You can still export everything to Excel whenever you want, so you're not tied to Ruki.

They stay saved, with their metrics. Argentine brokers usually delete what you sold after a year or two, and that's where you lose half your history as an investor: Ruki keeps it for you and counts it toward your total gain/loss.

Yes. Ruki has an Argentina region, which includes the United States market, and a Europe region. Each purchase is recorded in the currency you made it in, whether pesos, dollars or euros.

Yes, and the free plan doesn't expire: it includes all the calculations and automatic prices, with a limit of five assets, five sales, two brokers and two goals. If your portfolio is bigger, Premium removes the limits for USD 1.99 a month or USD 14.99 a year. You can try it free for a week, or two weeks if you choose the annual plan.

Yes, it's the same account and the same data, in sync. You add from your phone and see it on your computer, and the other way around.