Creator-led investing communities · Built for retail investors
Invest better with people you trust.
ratiofolio is where investing creators bring their communities — and where members turn community insight into a disciplined view of their own portfolio, trades, and behavior. Free to join. No signals. No copy-trading.
- Free account to join any community
- 0% creator revenue cut
- Process over signals
- Professional toolkit when you want your own answers
Trusted leaders · 2026 cohort
Built for the people retail investors already follow.
Investing educators, newsletter writers, trading mentors, finance YouTubers, and private community operators use ratiofolio as the premium home for their audience.
A new way to invest
Most investing tools start with a dashboard. We start with a person.
Retail investors don't wake up wanting another chart. They wake up wanting clarity, confidence, and a way out of decision fatigue. They follow people before they adopt software.
ratiofolio is built around that reality. You join a creator you already trust, learn inside a real community of investors, and use serious analytics only when you want your own questions answered.
Belong
Join a creator-led space. Real faces, real discussions, real ideas.
Reflect
Compare community lessons to your own portfolio, trades, and habits.
Decide
Use the professional toolkit only when you want deeper personal answers.
For members
Come for the mentor. Stay for the process.
Your creator's community lives in one calm, premium space — not scattered across a chat app, a paid newsletter, and a private Discord.
Creator posts and lessons
Watch how your mentor thinks, week after week.
Trade ideas with context
Thesis, chart, comments, reactions. No blind signals.
Polls and surveys
Compare your stance with the room before the market opens.
Member discussions
Talk to people in the same boat, not strangers on social.
Contribution leaderboard
Recognized for the quality of your thinking, not the size of your account.
Weekly rituals
Reviews, watchlist sessions, and learning prompts that build a habit.
ratiofolio is not a copy-trading platform. Communities exist to sharpen process, reflection, and decisions — never to outsource them.
Pinned post
Weekly playbook · Concentration risk
Member ritual
Saturday review · 14 members RSVP'd
The professional toolkit
When community insight becomes personal, the toolkit takes over.
Community sparks the question. ratiofolio's analytics give you the honest answer — from your own data.
Portfolio analytics
Allocation, diversification, dividends, drawdown, and long-term performance — answered against your real holdings.
Trading analytics
Win rate, expectancy, R-multiples, MAE/MFE, consistency, and rule adherence. Not vanity P&L.
Behavioral journaling
Capture decisions, emotions, and rule breaks. Find the patterns you keep repeating.
Strategy suite
Turn community lessons into your own checklist. Grade setups before you trade them.
Screening & watchlists
Find and monitor opportunities through a process — not through tips.
Fundamental research
Long-term financials and business KPIs to pressure-test any thesis you hear in your community.
The paywall question
The best paywall is a question about yourself.
Every paid surface in ratiofolio is triggered by something you just saw in your community — not by a generic plan comparison.
Your creator publishes a portfolio lesson on concentration risk.
You ask: “Is my own portfolio concentrated too heavily?”
A trade idea blows up in the community feed.
You ask: “Have I handled this setup well before, or do I keep losing on it?”
The community debates a recurring rule break.
You ask: “Am I quietly making the same mistake?”
Don't just follow the idea. See whether your own data supports it.
For creators
Your investing audience deserves more than another chat room.
Launch a premium community hub for free. Charge your audience directly. Keep 100%. ratiofolio monetizes only if your members choose to upgrade their own analytics.
Boundaries
What ratiofolio is not.
We don't sell signals. We don't run a copy-trading marketplace. We don't rank creators by raw P&L or wealth. We don't promise market outcomes. We give creators a premium home for their community, and we give members the tools to understand themselves.
Not a signal feed
Not a copy-trading marketplace
Not a broker
Not a prediction engine
Pricing
Free to join. Pay only when you want deeper answers from your own data.
Every community is free to enter with a ratiofolio account. Members upgrade only when their personal analytics get useful.
We're launching in beta first
The plans below are for our full launch. Registration is currently invite-only — we release a limited number of beta access codes as spots open. Join the waitlist with your email, and when a slot becomes available, we'll send you a personal access code to complete registration.
For creators
For creators: your hub is free, forever.
Launch a premium community hub at no cost. Charge your audience directly via your own Stripe. Keep 100% of community revenue. ratiofolio takes a 0% cut — we monetize only when individual members choose to upgrade their personal analytics.
Apply for a creator hubPrices in EUR, VAT may apply. Annual billing applies the discounted monthly rate.
Voices
Built with creators and members who take investing seriously.
Creator testimonial coming soon — real hub, real audience, no fabricated quotes.
Creator partner
Member testimonial coming soon — learning from a creator and using personal analytics.
Community member
“I built ratiofolio because retail investors deserve better than tipsters and chat noise. We give creators a premium home and members the analytics to grow into disciplined investors — without anyone giving up control of their decisions.”
Raphael Becker
Founder
FAQ
Questions, answered honestly.
Find your people
Find your people. Then use your own data.
Join a creator community first. Upgrade only when you want deeper answers from your own portfolio, trades, and behavior.
Free to join. No card required. 0% creator cut, always.