AlphaIQ documentation

Your customisable home screen. Displays net worth, portfolio value, super balances, wealth trajectory, and AI intelligence — all in a draggable tile grid.

• Drag and resize tiles to arrange your layout — saved per device and screen size
• Use Customise to show or hide individual tiles
• Wealth Trajectory tile shows a long-range projection of your total net position
• Intelligence Feed tile surfaces the latest AI signals without leaving the dashboard
• Super tile aggregates all member balances across retail, industry, and SMSF

AlphaIQ's retirement modelling engine. Adjust assumptions with live sliders and see projected outcomes in real time.

• Sliders for salary sacrifice, retirement age, target income, and investment return rate
• Target income is inflation-escalated year-by-year — projections reflect real purchasing power
• Schedule future events: property purchases or sales, windfall receipts, income changes
• Quick-apply scenario templates: sell investment property, switch to conservative, salary sacrifice $30k/yr, retire 3 years early
• Settings persist between sessions; use Reset to return to your saved profile defaults
• AI chat assistant available to answer questions grounded in your data

Year-by-year cashflow projection from today through retirement and beyond. Set your retirement goals via a conversational chat, then review your modelled position.

• Retirement Goals Chat helps you articulate and save your objectives
• Charts show projected income need (inflation-escalated) alongside super and savings balances
• Covers both accumulation phase and pension phase with ATO-correct rules
• Editable plan summary and debt analysis section included

Track all income streams and model how they change over time. Combines with property, portfolio, and super to produce a unified net worth projection.

• Sources: salary, bonus, rental, dividends, business, SaaS/product, consulting, pension, super drawdown
• Schedule future income events: new income starts, income ends, income changes, new expenses
• Net worth projection chart integrates all streams with property equity and portfolio growth

Capture expected future cash windfalls and model their impact on your financial plan using NPV modelling.

• Types: inheritance, property sale, business exit, redundancy, insurance payout, super rollover, large gift, legal settlement
• Assign certainty levels (Certain / Probable / Possible / Speculative) — probability-weighted in projections
• Set tax treatment and expected receipt age
• Mark windfalls as received to update your actual position

Ask a goal in plain English — the AI generates personalised strategies grounded in your actual financial profile.

• Example goals: "I want to retire at 58 — what would it take?", "How do I generate an extra $50k/yr in retirement?", "What's the smartest way to deploy a $500k windfall?"
• Each strategy includes a risk rating and rationale; save strategies for future reference

Upload your broker holdings statement and AlphaIQ maps positions to ASX and international tickers automatically.

• Upload any broker's PDF holdings statement — AlphaIQ is broker-agnostic
• Positions mapped via ISIN lookup table
• Tracks personal and SMSF holdings separately
• Manually add, edit, or delete positions; add cash balances alongside shares

Rules-based scoring engine that evaluates your portfolio across six dimensions with an AI-generated narrative summary.

• Scored dimensions: Concentration, Sector Mix, Geographic, Income Balance, Defensive Allocation, Correlation Risk
• Overall health score out of 100
• Alerts when any single position exceeds 15% or any sector exceeds 40%

Translates portfolio health gaps into a tax-aware, sequenced action plan — what to sell or buy and in what order to minimise CGT drag.

• Prioritises selling loss-making positions first to harvest tax losses
• Shows estimated CGT impact and 12-month discount eligibility for each trade
• Save rebalancing actions as reminders

Build, manage, and stress-test an investment thesis for each position.

• AI Interview: conversational Q&A that synthesises your thinking into a formal thesis
• Thesis Chat: ongoing conversation to update or pressure-test an existing thesis
• Deep Research: AI research on any ticker (ASX or international) to seed a thesis
• Thesis Verdict: Healthy / Watch / Review / Urgent status
• Thesis Checks: attach specific assertions to verify over time

When a new statement is uploaded and differences are detected versus stored positions, AlphaIQ flags changes for your review before applying them. Approve or reject each change individually.

Daily AI-analysed company intelligence for your portfolio holdings — earnings, insider trades, competitive moves, management changes, and news. Filter by company or intelligence category.

• Publisher bias indicators flag known conflicts of interest
• Star important items; read-aloud mode available
• Intelligence runs are usage-counted — higher tiers get more runs per period

Curated AI market and macro signals with relevance scores and action recommendations.

• Categories: Equities, Property AU, International Property, Global Markets, Macro
• Each signal has a relevance score (0–10), risk level, and action label (Act / Watch / Research / Avoid)
• Star signals to save; expand for full AI analysis and source links

Five AI agents run in parallel on any ticker to produce a comprehensive research summary and Equity Research Score (ERS).

• Agents: Sector Scanner, Fundamentals, Regulatory Filings, Macro Tailwinds, ERS Scorer
• Save scan results to a watchlist; generate a full thesis from results

Curated email with portfolio-relevant insights and AI commentary. Content depth and frequency scale with your subscription tier. Manage preferences under Settings → Notifications.

Add news sources, analyst publications, and blogs you trust. AlphaIQ uses these to contextualise signal and intelligence outputs. Sources are private to your account.

Track all properties — investment and owner-occupied — with valuations, mortgage balances, equity, and rental yield.

• AI valuation assist: request an updated estimate using property specs
• Track multiple mortgages per property; investment loans section for interest-only and P&I debt
• Model a property sale at a chosen age — fed directly into the What-If planner

Upload your QS depreciation report and view a year-by-year Div 43 (building) and Div 40 (plant and equipment) depreciation schedule per property. Feeds into the Tax page negative gearing calculation.

Consolidated profit and loss per investment property showing rental income, expenses, depreciation, and unrealised capital gain.

Upload annual interest statements from your lender to confirm the deductible interest for each investment property for the financial year.

Real-time FY tax summary built from your financial profile data.

• FY summary: gross income, salary sacrifice, taxable income, estimated tax payable
• Negative gearing summary, super caps used vs available, CGT overview, and planning tips
• ATO-correct 2025-26 marginal rate bands and LITO taper

Estimate your Australian CGT liability before selling an asset. Applies the correct 50% discount for assets held over 12 months.

• Enter purchase price, sale price, dates, acquisition costs, and your income
• Shows gross gain, taxable gain, and estimated tax at your marginal rate

Calculate the true after-tax value of a franked dividend — including whether you're entitled to a refund or owe a top-up payment. Enter cash dividend, franking percentage, number of shares, and your marginal rate.

Model the debt recycling strategy vs. standard repayment. Correctly models franking credit benefit, tax deduction on investment interest, and net wealth over time.

Manage superannuation for all fund members. Supports retail, industry, SMSF, and pension-phase funds.

• SMSF: set ownership percentage per member; value derived from your holdings
• Retail/industry: enter balance and balance date; upload super statement PDF for automatic extraction
• Total super balance feeds into the retirement projection and What-If planner

Projects your super balance at retirement including SG contributions (12% from July 2025), voluntary contributions (concessional cap: $30,000/yr), investment growth, and age pension means testing.

Secure store for all financial documents — upload directly or forward via your unique AlphaIQ email address.

• Categories: Mortgage Interest Statements, Depreciation Reports, Super Statements, Broker Statements, Tax Documents, Property Documents, Legal Documents, Other
• Email ingestion: forward documents to your unique AlphaIQ address for automatic ingestion
• Generate time-limited shareable links (7–90 days) to send documents to advisers or accountants