Mr. Turbo How-To at Your Service
Got questions? This bull’s got answers - and a full tank of turbo energy to help you out.
Loading articles...
Year to Date Explained: What Your Net Worth Change Really Contains
Year to date is how much your net worth moved since last year's final close - gains, savings, and new money together. Learn what each row of the breakdown means and how to check the math yourself.
Consolidate Multiple Brokerage Accounts: A Checklist
A checklist for bringing several brokerage accounts into one view, without transferring a single position. What to gather, what breaks, and what to check.
Best Portfolio Tracker for UK Investors
What UK investors actually need from a tracker: GBP cost basis, ISA and SIPP kept apart, and US holdings whose returns move with the exchange rate.
Best Portfolio Tracker for US Investors
What US investors should look for in a tracker, where the sync-everything model costs you, and an honest account of where we fit and where we do not.
Dividend Withholding Tax Explained
Why your dividend arrives smaller than announced, which part of the tax you can actually reduce, and which part is buried inside your funds.
FIRE Calculator: When Can You Retire?
Two numbers decide it: what you spend, and what share of your income you keep. How to work out your FIRE number and your timeline, with the arithmetic shown.
Free vs Paid Portfolio Trackers: When to Upgrade
Free means four different business models, and which one you are using decides what you pay with. What free tiers cut, and when upgrading is worth it.
Import Interactive Brokers into Turbobulls
Export a Flex Query or Activity Statement from Interactive Brokers and import it in a couple of minutes. What gets brought across, and what does not.
Import XTB into Turbobulls
Export your XTB account history from xStation and import the workbook directly. What comes across, the ZIP and re-save quirks, and what gets skipped.
Should I Invest or Pay Off Debt First?
Paying debt is a guaranteed return; investing is a probable one. How to compare them properly, and why the type of debt matters more than any threshold.
Multi-Currency Investing: A Complete Guide
The currency your fund is priced in is not your currency exposure. How to find your real exposure, when hedging is worth it, and what it actually costs.
Net Worth: How to Calculate and Track It
Net worth is everything you own minus everything you owe. The arithmetic is easy; deciding what counts and valuing it consistently is the part that goes wrong.
How to Read Your Brokerage Statement
Which section answers which question, the three places a statement quietly disagrees with reality, and which document you should download and keep.
How Much Should You Have Saved by 30, 40, 50?
The salary-multiple benchmarks, where they come from, and why multiples of your annual spending are a better yardstick than multiples of your pay.
Sharesight Alternatives: How to Choose One
Most people looking for a Sharesight alternative have hit a tier, not a wall. What its plans actually gate, and how to judge a replacement fairly.
How to Start Investing With EUR 1,000 (or Less)
The three things that come before your first trade, why costs behave differently at this size, and what a EUR 1,000 portfolio is actually for.
Turbobulls vs Personal Capital (Empower)
Empower is US-only, so for most readers this is not a choice between two tools. Here is what each is for, and what to use if you are outside the US.
What Is a Portfolio? Investing 101
A portfolio is not the list on your broker screen. It is everything you own considered together, and most people are looking at part of theirs.
The 4% Rule: A Guide to Safe Withdrawal Rates
What the 4% rule says, why its creator revised it upward, the 25x target it implies, and the assumptions that may not match your retirement.
Asset Allocation by Age: What the Rules Really Mean
The 100-minus-your-age rule, where it came from, and what it misses for European investors. Plus how to work out the split you actually have.
Capital Gains Tax Basics for Investors
What actually triggers capital gains tax, how the gain is calculated, why currency movements can be taxable, and the records you need to keep.
How to Rebalance Your Portfolio (and How Often)
Calendar, threshold, or hybrid rebalancing, what each actually costs, and how to correct drift with new contributions instead of selling your winners.
Index Funds vs ETFs: What Matters in Europe
Most guides answer this for US investors. Here is the European version: accumulating vs distributing, UCITS domicile, withholding tax, and real costs.
Portfolio Drift Explained: How to Measure It
Drift is the gap between the allocation you chose and the one you have now. How to compute it, why currency moves it, and how much is worth acting on.
Stock Splits Explained: What Happens to Your Shares
A split gives you more shares at a lower price and changes nothing about what you own. What it does change is your records, and that is the part that bites.
Tax-Loss Harvesting Explained for EU Investors
How harvesting losses against gains works, a worked example in euros, and why the US wash-sale advice you keep reading may not apply where you live.
Time in the Market vs Timing the Market
Market timing needs two correct calls, not one. The best-days argument stated honestly, and how to measure what your own exits actually cost you.
Year-End Checklist for Investors
What to review before your tax year closes: realized gains, unrealized losses, dividend withholding, currency gains, and whether your cost basis holds up.
Dollar-Cost Averaging vs Lump Sum: What the Math Says
Lump sum beats dollar-cost averaging about two thirds of the time. The honest math in euros, when DCA wins anyway, and how to measure which one worked for you.
Maximum Drawdown Explained: How to Calculate the Worst Drop You Have Lived Through
Maximum drawdown (max drawdown, or MDD) is the largest fall from a previous peak to a later low, as a percentage. The formula, a worked example, and how to use it to gauge your real risk tolerance.
MOIC Explained: How to Calculate It, and What 1.42x Means
How to calculate MOIC (Multiple on Invested Capital): the formula, a worked example, what 1.42x actually means, and how the multiple differs from MWR and ROI.
Return Volatility Explained: How Steady or Jumpy Are Your Returns?
Return volatility measures how much your annualised return has swung around its own average - the same dispersion that sits under the Sharpe ratio. Learn what it means, how Turbobulls calculates it, and why it is not the same as day-to-day price volatility.
Financial Health Score Explained: The 12-Dimension Composite That Grades Your Money
The Financial Health Score is a 0-100 grade across 12 dimensions of money management. Learn what each dimension measures, how they're weighted, how workspace modes shape the grade, and how to interpret your score.
Cash Allocation Explained: Are You Holding Too Much or Too Little Cash?
Cash allocation is a 0-100 score for how close your cash holdings are to a healthy target. Learn how Turbobulls calculates it, why 20% is the default target, and the cost of getting it wrong in either direction.
Cash Runway Explained: How Many Months Could You Survive Without Income?
Cash runway is how long your liquid cash would cover expenses if income stopped today. Learn how Turbobulls calculates it, what good runways look like, and why lumpy income demands more buffer.
Cost Efficiency Explained: How Much of Your Gains Actually Survive?
Cost efficiency measures the share of your investment gains that survives fees and taxes. Learn how Turbobulls calculates it, what good values look like, and why high costs quietly destroy long-term wealth.
Currency Gain Explained: How Much of Your Return Came From FX, Not the Asset?
Currency gain isolates the FX-driven portion of your investment returns. Learn how Turbobulls separates it from capital gain, why it matters for multi-currency investors, and what to do with the insight.
FI Progress Explained: How Close Are You to Financial Independence?
FI Progress measures how close your net worth is to the 4% rule's financial independence number. Learn what FI really means, how the 4% rule works, and what stages of progress feel like.
Growth Rate (CAGR) Explained: The One Yearly Number That Summarises Everything
CAGR is the equivalent annual interest rate that would have grown your starting net worth into today's. Learn how Turbobulls calculates it, what good values look like, and the trap of small starting balances.
Income Stability Explained: How Predictable Is Your Paycheck?
Income stability is a 0-100 score for how predictable your income is across periods. Learn how Turbobulls calculates it, what good values look like, and why steady income reduces your need for an emergency buffer.
Lifetime ROI Explained: How Has All Your Invested Capital Performed?
Lifetime ROI is the return on all capital you've ever deployed - including positions you've since sold. Learn how Turbobulls calculates it, why it differs from ROI (open), and what it tells you about your full trading history.
Momentum Explained: Is Your Wealth-Building Speeding Up or Slowing Down?
Momentum measures whether your wealth velocity is accelerating or decelerating. Learn how Turbobulls calculates it, what good and bad values look like, and the trap of small baselines.
Open Win Rate Explained: How Many of Your Bets Are Currently Winning?
Open Win Rate is the share of your currently-open positions that are profitable. Learn how Turbobulls calculates it, what good values look like, and why a high win rate doesn't always mean good returns.
Realized vs Unrealized Gains: The Difference Between Paper Profit and Real Money
Realized gains are profits locked in by selling. Unrealized gains are paper profits that can vanish. Learn why the distinction matters for taxes, mental accounting, and risk.
ROI (Open) Explained: How Are Your Current Holdings Actually Doing?
ROI (open) measures the return on the capital you currently have invested. Learn how Turbobulls calculates it, why it differs from Lifetime ROI, and when each one matters.
Savings Rate Explained: The Most Important Financial Number You're Ignoring
Savings rate is the share of your income you keep each month. Learn why it matters more than investment returns for most people, what good rates look like, and how to lift yours.
Sharpe Ratio Explained: Are You Being Paid Enough for the Risk?
Understand the Sharpe ratio in plain English. Learn what good and bad scores look like, how it is calculated, and why volatility is not the same as risk.
Wealth Velocity Explained: How Fast Is Your Net Worth Really Moving?
Wealth velocity is the average dollars per day your net worth is changing. Learn how Turbobulls calculates it, what good and bad values look like, and how to read it without misleading yourself.
How We Compare Your Portfolio to Its Benchmark
Understanding our fair and accurate portfolio performance comparison methodology
Best Portfolio Tracker for European Investors in 2026
European investors face unique challenges: multi-currency holdings, multiple exchanges, and fragmented brokers. Here is what to look for in a portfolio tracker built for EU and US markets.
How to Track Dividends: Complete Guide for 2026
Learn how to track dividends effectively, compare manual vs automatic tracking methods, and discover what to look for in a dividend tracker that actually works.
TWR vs MWR: Time-Weighted vs Money-Weighted Return Explained
Time-weighted return measures the investments; money-weighted return (also called dollar-weighted return, or IRR) measures your timing too. What TWR and MWR each answer, when to use which, and why they disagree.
Why End-to-End Encryption Matters for Your Financial Data
Most portfolio trackers can see your holdings, balances, and transactions. Here is why that is a problem and what real end-to-end encryption looks like.
Portfolio Performance Decoded: Stop Guessing, Start Knowing
Your returns are telling you a story, but are you listening? Learn which metrics actually matter and how Turbobulls helps you track them without the headache.
Your Data, Your Device, Your Business
We can't see your financial data - and we like it that way. With on device encryption even our servers are in the dark.
Installing Turbobulls on Desktop and Mobile
A quick guide to installing Turbobulls as an app on your desktop or mobile device for faster access, offline use, and enhanced privacy.