Configuration

Richfolio uses a single JSON configuration for all portfolio data — your portfolio stays private.

Setup

Go to your fork’s Settings → Secrets and variables → Actions → Variables tab → create a variable called CONFIG_JSON with the JSON content below.

Example

{
  "targetPortfolio": {
    "VOO": 20,
    "QQQ": 15,
    "GLD": 10,
    "BSV": 20,
    "SMH": 5,
    "BTC": 1.5
  },
  "currentHoldings": {
    "AAPL": 30,
    "VOO": 1,
    "BTC": 0.0002
  },
  "totalPortfolioValueUSD": 50000,
  "intradayAlerts": {
    "enabled": true,
    "confidenceIncreaseThreshold": 10
  }
}

Field Reference

Field	Required	Description
`targetPortfolio`	Yes	Target allocation percentages. Keys are ticker symbols, values are percentages that should sum to ~100%.
`currentHoldings`	Yes	Number of shares you currently own. Can include stocks not in your target (e.g., AAPL for ETF overlap detection).
`totalPortfolioValueUSD`	Yes	Your estimated total portfolio value in USD. Used for allocation math when your actual holdings are smaller than the target.
`intradayAlerts`	No	Intraday alert settings (see below). Defaults apply if omitted.

Intraday Alerts

The intradayAlerts section controls when intraday checks send alerts. All fields are optional — sensible defaults apply.

Alerts trigger only for STRONG BUY-related changes:

Upgraded to STRONG BUY — any other level → STRONG BUY
Downgraded from STRONG BUY — STRONG BUY → any other level
Confidence changed — confidence shifted ≥ threshold while staying STRONG BUY

Field	Default	Description
`enabled`	`true`	Master toggle. Set `false` to disable intraday alerts entirely.
`confidenceIncreaseThreshold`	`10`	Minimum confidence change (absolute, percentage points) to trigger an alert for STRONG BUY tickers.

Refresh Analysis

Re-analyze a single ticker with the latest price (including after-hours/pre-market). Sends email + Telegram with a new analysis URL.

Actions → Portfolio Monitor → Run workflow → mode: refresh, ticker: SMH.

Yahoo Finance’s postMarketPrice and preMarketPrice are used when available. Falls back to regular market price if after-hours data isn’t available.

Ticker Formats

Type	Format	Examples
US stocks/ETFs	Standard symbol	`AAPL`, `VOO`, `QQQ`, `SMH`
Crypto	Short name	`BTC`, `ETH` (auto-converted to `BTC-USD`, `ETH-USD`)
International	Yahoo Finance symbol	`0700.HK` (Tencent), `TM` (Toyota)

Tips

Target percentages should add up to 100%. If they don’t, gap calculations still work but may suggest larger or smaller buys.
Holdings outside your target are tracked for ETF overlap detection. For example, holding AAPL reduces the buy priority for ETFs that contain AAPL (like VOO or QQQ).
Fractional shares are supported — useful for crypto ("BTC": 0.000188) or brokers that support fractional stock purchases.
Portfolio value uses the higher of your actual holdings value or the configured estimate. This keeps gap calculations meaningful when you’re still building toward your target allocation.

How many tickers can I add?

Richfolio works best with a focused portfolio. While there's no hard-coded limit, the free-tier API quotas and digest readability set practical boundaries. **Recommended ranges:** | Range | Verdict | |-------|---------| | **10–20** | Sweet spot — focused, actionable, all free tiers comfortable | | **20–30** | Still good — manageable digest, well within limits | | **30–50** | Works technically, but the daily digest gets noisy | | **50+** | Not recommended (see below) | **Why 50+ tickers is not recommended:** - **NewsAPI (100 req/day)** — news is fetched in batches of 5 tickers. Running daily + intraday with 50 tickers uses ~22 calls; at 100 tickers it's ~42, leaving little room for refreshes. - **AI analysis quality** — Gemini produces more diluted recommendations when evaluating too many options at once. - **Digest readability** — email gets long and Telegram truncates at 4,096 characters. The signal-to-noise ratio drops sharply. - **Execution time** — each ticker requires Yahoo Finance calls for price, technicals, and fundamentals, slowing down your GitHub Actions run. Gemini free tier (250 req/day, 250K tokens/min) is generous and is unlikely to be the bottleneck — even 100 tickers only uses ~53K tokens per run. The real constraints are NewsAPI quota and information overload. **TL;DR — aim for ≤30 tickers for the best experience on all free tiers.**

Updating

When your holdings change, update the CONFIG_JSON variable with the new JSON content (Settings → Secrets and variables → Actions → Variables tab).