Principles
Principles
The things we believe, and the things we will do when they cost us something. If we break one, tell us.
This is a draft and it will stay one for a long time. We change it when we learn something.
Why Capman exists
Most households cannot tell you what they are worth. A normal adult life scatters money around: a brokerage account, a pension from an old job, a savings account at the bank your parents picked, a flat, a car, a loan or two. Each has its own app, login and statement, and nobody lines them up side by side. So nobody knows how much risk they carry, or whether it adds up to a plan.
Companies sorted this out long ago, because they have finance teams. Wealthy families sort it out with an advisor. Everyone else guesses, and the guess goes wrong one of two ways. Some people think they have less than they do and stay stingy for years. Others think they have more and take risks they cannot afford.
1. You are not the product
You pay us a yearly fee, and that is the only way we make money. We take no commissions, no referral fees, and no payment for putting anything in front of you. We will not point you at a broker, a fund or a bank because it pays us to.
An advice app that is paid by the thing it recommends is selling something. We have set Capman up so the only person we can let down is you.
2. We have opinions
Capman is not neutral. We think a few ideas have earned the right to be the default: spread your money widely, keep what you will need soon somewhere safe, and leave long-term money alone so it can compound.
When we recommend something we say why. We are independent, which means nobody pays us to lean one way. We are not neutral about what works.
3. We tell you the truth
If your portfolio has a serious problem, we say so and tell you what we would change. We will not cushion it or tell you it is a great start.
Plenty of software is built to make you feel good so you keep opening it. We would rather you came back because it helped. The same goes for the AI: its job is to be useful, not to agree with you.
4. Finance should be boring
Compounding, diversification, automation, and a little patient fine-tuning. For nearly everyone that is the whole game. We assume you have no special edge, so we do not build for stock picking, crypto trends or day trading.
If you want to play anyway, there is a small slice for that. It is capped and it stays separate from the money you will need. Boring is the point.