Free, and no account needed
A stock portfolio with a reason behind every pick.
Tell Ember how much you're investing, when you'll need the money and what you'd do in a bad month. It builds a mix of funds and companies from 1,490 US stocks, and shows why each one is there.
Ember is for learning and never buys or sells anything. Prices are from October 23, 2026.
Keeps adding money, would wait out a drop and could live with a 30% loss in a bad year. Wants growth and quality.
$25,000, 85% in stocks
- Individual stocks34%
- US stock funds34%
- International stock funds17%
- Bonds14%
- Cash1.5%
- GOOGL Alphabet Inc.Earns about 33 cents of operating profit on every dollar of sales, more than 90% of communication companies.
- MEDP MedpaceEarns about 21 cents of operating profit on every dollar of sales, more than 78% of health care companies.
- GEV GE VernovaSales grew 13% over the last year.
What you tell Ember
I have $25,000 to invest and I'll need it in more than 20 years. Along the way I'll keep adding to it. If it fell 20% in a month, I'd wait it out, and I could live with losing 30% or more in a bad year. I'd like growth and quality, and I'd rather leave out tobacco.
Ember would put 85% of it in stocks across 19 holdings, starting with GOOGL, MEDP and GEV. In a sharp crash it might fall about 29%.
Every company is ranked twice
Ember ranks each company against the others in its sector and against all 1,490. Banks always look cheap and software companies always look profitable next to everyone else, so for value and quality the sector comparison counts most.
Dividends
0.7% dividend yield
45 vs 32 Dividends scores 45% against technology companies and 32% against all 1,490 companies.
Growth
Sales up 18% in a year
64 vs 75 Growth scores 64% against technology companies and 75% against all 1,490 companies.
Value
29 times its earnings
46 vs 25 Value scores 46% against technology companies and 25% against all 1,490 companies.
Quality
47% operating margin
79 vs 85 Quality scores 79% against technology companies and 85% against all 1,490 companies.
Smaller companies
Valued at $3.9 trillion
0 Smaller companies scores 0% against all 1,490 companies.
Steadier prices
Beta of 1.06
75 vs 41 Steadier prices scores 75% against technology companies and 41% against all 1,490 companies.
Why Ember picked it for the retirement example
- Earns about 47 cents of operating profit on every dollar of sales, more than 96% of technology companies.
- Sales grew 18% and earnings grew 32% over the last year.
The fine print
Ember is a free tool for learning how a portfolio is put together. It isn't a broker or an adviser, and How it works lists every rule it follows.
Read every ruleEmber, for learning only
Trades placedNone
Ember has no brokerage connection, so it can't buy or sell anything.
Advice givenNone
The picks follow fixed rules and public data, without your full finances.
PredictionsNone
Every figure describes the past.
Avoided industriesRemoved
Matched by official industry code, and the funds switch to screened versions.
Data keptOnly if you save
Nothing is stored on our side unless you make an account and save a portfolio.
The same answers always give the same portfolio
See what yours would look like
It takes about two minutes, and nothing is saved unless you ask.