Frequently Asked Questions (FAQ)

What are filters?
Filters help you to narrow down the stock universe.

Our "Stock Search" feature is a classic stock screener. Anyone can use a selection of our filters to find their own stock ideas.

You can choose the country, a sector you like, then think about the type of company you like, and look at whether the companies are loved or hated by the analysts.

Filter to get results. And re-filter to hone your choices.
What does the STAR ratings mean on every stock?
The STAR rating is based on a few fundamental key metrics which are considered important for assessing the suitability of investing in that particular stock.

Our STAR rating is based on 5 factors: Profitability, Dividend, Long-term growth outlook, cheaper than peers and lastly analyst recommendation for STRONG BUY/BUY.

Generally, if a stock is assigned 5 STAR rating if it meets all the 5 above mentioned criteria. Similarly it is assigned 4 STAR if it misses one of the 5 criteria (for eg: Analyst recommendation for HOLD)

Using these 5 metrics we try to identify the relative strengths of one stock versus another in respect of these data points. With these metrics you can start to judge the quality of a business, how it compares to its peers and what the professionals think.

However, it does not mean that anything less than 5 STAR is not investment worthy. We suggest that you should do thorough research before you discard any opportunities that are less than 5 STAR ratings.
Can I buy shares via Investify?
As of now, NO.

We are a research and analytics business. We crunch through large quantities of financial data and present the information in a simple and useful manner. We don't provide a brokerage or investment service.

We may start providing investment services in the future. Though we'll only do that once we have the right regulatory approvals in place.

So, watch this space.
How do I buy shares?
Get a trading account.

If you are new to the stock market, you’ll need to get yourself a trading account.

There are quite a few discount brokerages and full-service brokerages. Just shop around to see who suits your needs the best.
Is investing in shares risky?

It’s very risky. You can lose all your money. Yes, all, if the value of the company you’ve invested in plummets.

Or worse, you could speculate, borrowing money to invest in shares and then lose even more money that the cash you invested. That’s called investing on margin.

Brokers love lending you money to trade. Fees, fees, fees. Even though they could bankrupt you.

So please be careful, invest, don't speculate. Think of the long-term, not a quick buck.
So how do I mitigate the risks?
Beware! Do your research. Don't put all your eggs in one basket.

Invest in what you know. Don’t buy things you don’t understand. Don’t borrow to invest, as that’s speculating, not investing. If there’s nothing you like out there, just do nothing. No one "lost" money sitting on their cash. Yes, inflation will eat the value of your money, but it's better to do nothing that something stupid.

Even after you've done all your research, remember, there is no data on the future, no crystal ball. So, it's important to not put all your eggs in one basket. The professionals talk about the need to diversify. They are right. Don't put 100% in any one asset, e.g. stocks or real estate. Don't put 100% into any one company.
Are you giving me advice?
We don’t give advice, we don't recommend.

Just like Yahoo! Finance, Google Finance,, Motley Fool, and other similar sites, we don’t tell you what to buy, what to sell. We don’t make recommendations. Our website provides financial data in an easily accessible form. That’s all.

The results of your investment screens using our filters merely provide you with ideas for future research. They are not a buy list or set of recommendations and should not be treated as such.

We focus on the objective data, which we buy from S&P Global market Intelligence. We give you access to all the key metrics behind publicly traded stocks in NZ & Australia. With this information, you can do your own research. We avoid subjective data and opinion, other than the consensus views from the analysts.

You will see the phrases “Buy”, “Strong Buy”, “Sell”, “Strong Sell” and price targets for stocks. These are all from the analyst consensus. They are not the views Investify, or our main data provider, S&P Global. Just like S&P Global, we don't endorse the views or forecasts of the analysts. They are simply a great insight into the sentiment of the professionals.
What's an analyst consensus recommendation?
It’s an average.

For example, if there are tens of stockbrokers writing research on every single company. These professionals talk to the management teams, talk to the big shareholders, analyse the competitors and the market. Then they write reports on the health of the companies and recommend to clients if they should “Buy” or “Sell” the shares.

But like economists, stockbrokers rarely agree. Some think a stock is going up, others think it is going down. They’ll even tell you the stock will go nowhere. They call that a “Hold”.

To cut through the disagreement, the big financial data companies, Thomson Reuters, Bloomberg, Factset, S&P Capital IQ, publish what they call the “consensus”.

In fact, this is the average of all the forecasts and views of stockbrokers, for that particular stock. Just like the “wisdom-of-the-crowd” shows, the average is typically a better, more consistent forecaster, than hanging your hat on the views of any 1 stockbroker.
If I lose money who’s fault is it?
It’s your fault, unfortunately.

You are in control of your financial destiny. You decide. You research. You check. You discuss ideas with people you trust. You make the decisions.

Investify is here to give everyone access to large quantities of financial data, objective information in an easy-to-understand and easy-to-use manner. We are not a "free" provider of investment research. Our users have to do their research and make their decisions themselves. And we believe that everyone has the skill to manage their investments. Our goal is to give you the key tools you need to do it well.

Many people don't want to take the risk of losing money. So, they outsource the blame to the professionals. And with the way the professionals report their performance to us, we are often in total ignorance on how they are doing. If you lose money this way, it's cold comfort that someone else took the decision that failed you.
Where does your raw data come from?
S&P Global Market Intelligence, mainly.

We buy the core of our financial data from S&P Global. They are one of the leading professional information companies in the world. Their financial data is used at thousands of “Wall Street” firms with hundreds of thousands of professionals rely on their data and services to make their investment decisions.

All the major websites like Google Finance, Yahoo! Finance, CNBC, etc. buy data from S&P Global.

We run present financial information it in a way that anyone can understand, quickly.
Why is the data not real-time?
Real time data cost a fortune.

For computer-driven algorithm traders at large investment banks, it is critical. For those of us who login to our accounts intermittently, it's less valuable.

Even the professionals don’t really use real-time prices. Their computer algorithms do. So, unless you are a computer and paying millions to directly connect to the stock exchanges, having the end-of-day (EOD) is sufficient for researching the company.

Fortunately, a lot of data isn't connected to the price that's constantly fluctuating. The profitability, the dividends, the price targets, forecast revenues, cash, the broker recommendations and price targets, etc.

Yes, pricing data is important, but it's only of use when you have the rest of the data too. And if you have a trading account, your broker should be able to provide you with real-time pricing.
So some of your information is out of date then?
Between trading hours, yes.

We get EOD data from S&P Global Market Intelligence, at the moment.

Any of our data that uses a price is out of date, when the stock market is trading. For example, a PE ratio, calculated by dividing the price by the earnings figure, would be out of date. If a stock is up 2%, we’ll have not updated the PE ratio from 10.0x earnings to 10.2x.

Other data points like does it pay a dividend; what’s its earnings; does analyst like the stock; these, all remain the same. They have nothing to do with the price of the stock.

If you are looking for a new idea, at the weekend, before the market opens, or when you are on the way home at night, you’ll be seeing the latest information.
Is everyone else’s information out of date too?

Have you ever come across a large database where 100.00000% of the data is right? Even Google will occasionally give you the wrong telephone number or directions.

We’ve found major errors in the large professional data providers databases too. Some of those errors then don’t get picked up by the large financial websites. They just take the raw data as it is, and push it to their users, errors and all.

Remember, computers and humans are involved. It’s a lethal combination for accuracy.

So be vigilant. If you see a number that doesn’t look right. It probably isn’t. Please let us know at [email protected] so that we can rectify and benefit others as well.
Are some of your numbers wrong?
There is always a probability.

Like any big data company, we’ll have errors. So please let us know if you spot one. Or if you have the faintest doubt about any information on Investify, tell us.

We try our best, with automated checks, random sampling of the data, and audits. But we won’t catch everything. So please help us. We will really appreciate your help which will benefit the entire Investify community.
Who is Investify?
We are just a small startup based in Auckland, New Zealand. We are a team with experience in finance and technology. We started the company to solve our own pain point…finding something suitable to invest without having to spend hours searching on the web or going through pages of broker reports.

As busy professionals, we value our time with family aside work but at the same time wanted to grow our nest egg. There was simply nothing available that presented all this information in an easy-to understand format and we often got lost in the complexity of information due to the size of data out there.

The result .. Investify ..presenting key insights in comprehensive dashboards that you need to know so you can get better at investing.
Is Investify independent?
Yes. Absolutely.

We aren’t a stockbroker who wants you to trade more and more. We aren’t an investment bank who doesn’t tell you what they really think about a stock for fear of offending the company’s CEO. We aren’t an investment manager, taking a percentage of your money in fees, regardless of how good or bad we are. We aren’t selling your data to someone else..

We strive to be independent and unbiased. We need to earn your trust. And to do that, we have to prove to you that the information we give you is of the highest quality and not tainted by some ulterior motive.
How does Investify make money?
Sadly, we don’t, at least not a lot.

Again, it’s one of those horrible problems of being a startup. Once we’ve got to a sufficient size, we’ll start making money. But for now, we are investing our own money, every day, in building and running Investify.

We want to help people improve how they invest. So logically, we want to help people find the right investments and then buy them through whoever they want to. We want people to save time and invest smarter.

Our only source of revenue is when you buy a subscription.

There are no lengthy contracts, no lock in period. You just simply pay as long as it serves a purpose for you.
Can I cancel my subscription anytime?
Absolutely. All cancellation can be done from MY ACCOUNT page by a click of a button.

There is no lock in period and no obligation to keep using the service if it does not meet your needs.

For monthly subscription, please remember to cancel at least two days before renewal.

For yearly subscription, cancellation must be done no later than the 9th month of your subscription to get your refund. Once cancelled, fees would be calculated on a monthly usage basis and the remaining balance would be paid out to your bank account. Please note we do not hold any credit card records on the system and hence cannot refund to the card.

For example, if you cancel after 6 months of buying the yearly subscription, total cost would be calculated as 6x $19.99 ($119.94) and the remaining $79.06 ($199 - $119.94) would be refunded to you.
Is my Credit card details secure?
Absolutely! Everything is secured.

When you sign up for any of our Paid Subscriptions (as defined in the Terms and Conditions of Use), or make other purchases through the Service, your credit card information and other financial data that we need to process your payment are collected and stored by third party payment processors Stripe, and we may collect some limited information, such as your postal code and details of your transaction history. Stripe generally provide us with some limited information related to you, such as a unique token that enables you to make additional purchases using the information they’ve stored, and your card’s type, expiration date, and last four digits.

Millions of well-known companies such as Amazon, Google, Microsoft, Spotify,, Uber use Stripe as their payment processors.
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