Features
Richfolio packs 14 capabilities into a single pipeline — all running on free-tier APIs.
AI Buy Recommendations
Gemini 2.5 Flash analyzes your entire portfolio context — valuation metrics, allocation gaps, news sentiment, technical indicators, risk factors — and returns ranked buy recommendations with confidence scores and reasoning.
Each ticker gets an action: STRONG BUY, BUY, HOLD, or WAIT, along with a suggested dollar amount, limit order price, value rating (stocks), and bottom signal (crypto). If the Gemini API is unavailable or quota is exhausted, Richfolio falls back to gap-based recommendations automatically.
Technical Momentum Signals
Richfolio fetches 250 days of historical price data via Yahoo Finance and computes technical indicators for every ticker in your portfolio:
- SMA50 / SMA200 — 50-day and 200-day simple moving averages, with current price position relative to each
- RSI(14) — 14-day Relative Strength Index (below 30 = oversold, above 70 = overbought)
- Golden / Death Cross — SMA50 crossing above (bullish) or below (bearish) SMA200
- Momentum Signal — classified as bullish, bearish, or neutral based on price vs MAs and RSI
- Recent Lows — 7-day and 30-day lows for identifying nearby support levels
All technical data — including volume change (7-day vs 30-day average) — feeds into the AI prompt for better-informed recommendations. For STRONG BUY tickers, momentum details are shown directly in the email and Telegram message.
Limit Order Prices
When Gemini recommends STRONG BUY or BUY, it also suggests a limit order price slightly below current market. The suggested price is based on the nearest support level:
- Moving average support — price near the 50-day or 200-day MA
- Recent lows — 7-day or 30-day low as a support floor
- Round numbers — psychological support at round price levels
Limit order prices and their reasoning are displayed for STRONG BUY tickers in the daily email, Telegram message, and intraday alerts.
Value Investing Framework
For individual stocks (not ETFs or crypto), the AI applies a structured value investing framework and assigns an A–D rating based on five fundamental criteria:
- ROE > 15% — strong profitability
- Debt/Equity < 50% — conservative leverage
- FCF/Operating CF > 80% — strong cash conversion
- Positive earnings growth — growing business
- Price below analyst target — market undervaluation
| Rating | Criteria Met | Meaning |
|---|---|---|
| A | 4–5 | Excellent value |
| B | 3 | Good value |
| C | 1–2 | Fair value |
| D | 0 | Overvalued |
The value rating is factored into the AI’s confidence score (A boosts ~10 points, D reduces ~10 points) and displayed as a colored badge in email and Telegram output.
All fundamental data comes from Yahoo Finance’s financialData module, added to the existing quoteSummary call — zero extra API overhead.
Crypto Bottom-Fishing Model
For BTC and ETH, the AI evaluates four bottom indicators to detect potential accumulation zones:
- RSI < 30 — oversold territory
- Volume contraction > 20% — selling exhaustion (7-day avg vs prior 30-day avg)
- Price below 200-day MA — deep value territory
- Death cross present — may already be priced in (contrarian signal when RSI is very low)
When 2+ indicators are present, the AI flags a bottom signal in the output. When 3+ indicators align, the AI strongly considers upgrading to STRONG BUY with a dollar-cost averaging recommendation.
Bottom signals are displayed in the daily email, intraday alerts, and Telegram messages. Volume change data is computed from existing chart data — no additional API calls.
Allocation Gap Analysis
Compares your current holdings against your target allocation percentages. Each ticker is scored by how far it is from its target, with suggested buy amounts in dollars and shares.
The analysis uses the higher of your actual portfolio value or configured estimate, so gap calculations remain meaningful even when your current holdings are smaller than your target portfolio size.
Dynamic P/E Signals
Trailing P/E is compared against a historically-computed average P/E derived from Yahoo Finance’s earnings history data. No manual benchmarks needed — the system fetches quarterly EPS data and computes the average automatically.
Tickers trading below their historical average P/E are flagged as below avg (potential value), while those above are flagged as above avg (potentially overvalued). ETFs and crypto naturally skip this signal since they have no earnings data.
ETF Overlap Detection
When you hold individual stocks that are also top holdings of ETFs in your target portfolio, Richfolio detects the overlap and reduces the ETF’s buy priority accordingly.
Example: If you hold 30 shares of AAPL and VOO contains ~7% AAPL, your direct AAPL exposure partially covers VOO’s allocation gap. The suggested buy amount for VOO is reduced by the overlap value.
This prevents you from inadvertently over-concentrating in stocks you already hold through ETFs.
52-Week Range Signals
Each ticker’s current price is positioned within its 52-week range (0% = at the low, 100% = at the high):
- Near low (below 20%) — potential buying opportunity
- Near high (above 80%) — exercise caution
- Mid-range — neutral
The AI analysis factors this into its recommendations alongside P/E and allocation data.
News Digest
Top headlines per ticker from NewsAPI, fetched via batched requests to stay within the free tier’s 100 requests/day limit. Headlines from the last 24 hours are matched to tickers using company name mapping.
News sentiment feeds into the AI analysis — negative news might signal a contrarian buying opportunity or genuine risk, depending on context.
Portfolio Health
Two portfolio-wide metrics calculated from your current holdings:
- Weighted Beta — portfolio-level market risk, weighted by position size
- Estimated Annual Dividend Income — projected yearly dividends based on current yields and position sizes
Intraday Alerts
Don’t miss the buying moment of the day. After the morning brief runs, Richfolio saves the AI recommendations as a baseline. Intraday checks (npm run intraday) run every 2 hours during market hours, re-fetch prices and technicals, re-run Gemini analysis (skipping news to save API quota), and compare against the morning baseline.
An alert fires only when:
- Confidence increases by at least 5 percentage points (configurable) AND is above 80% (configurable)
- Action upgrades — e.g., BUY in the morning becomes STRONG BUY in the afternoon
- New signal — a ticker that wasn’t recommended in the morning now has a strong buy signal
Alerts are delivered via email and Telegram with a focused format showing the morning vs current comparison, price change, AI reasoning, and limit order price for STRONG BUY signals. No alert = no message — you only hear from Richfolio when it matters.
All thresholds are configurable via the intradayAlerts section in config.json. See Configuration for details.
Weekly Rebalancing Report
A separate weekly report (npm run weekly) focused purely on portfolio drift and rebalancing actions. No news, no AI — just a clean table showing:
- BUY — underweight positions (gap > 1%)
- TRIM — overweight positions (gap < -1%)
- OK — positions within target range
Includes overweight warnings and flags holdings that aren’t in your target portfolio.
Dual Delivery
Every report is delivered through two channels:
- Email — dark-themed HTML email via Resend with full detail (allocation table, P/E signals, AI recommendations, technical momentum, limit orders, news)
- Telegram — condensed plain-text summary via Telegram Bot API, optimized for mobile reading (includes technicals and limit prices for STRONG BUY)
Both channels work independently — if one isn’t configured, the other still delivers.