Question 1

Is QMA investment advice? Will it tell me what to buy?

Accepted Answer

No. QMA is an analytical and educational tool — not a licensed investment advisor and not a subscription to trading instructions. It shows data, scores, data events and historical simulations in descriptive language ("the model rates…", "insiders bought…") — it does not issue "buy this / sell that" orders and does not build a trade plan for you. It helps you decide with full information, but the decision and the responsibility are always yours. Consider consulting a licensed advisor before any investment decision.

Question 2

How does the 5-pillar score work?

Accepted Answer

Every stock is scored across 5 super-pillars: VALUE (valuation and earnings quality), MOMENTUM (technical trend and relative strength), SMART_MONEY (what public institutional and insider filings show), SENTIMENT (news and earnings-call tone) and CATALYST (upcoming events). Each pillar is built from sub-scores (FVS, EQS, TSS, RS, IAS, WHS, IFS, OFS, PTS, NSS, ATS, XS), each measuring one specific data layer.

The weighted average of the pillars = Composite Score 0–100 with a grade from A++ to F. If data for a pillar is missing, its weight is redistributed across the remaining ones — we never substitute an invented neutral value. The exact weights and thresholds are not published — that is the core of the methodology.

Question 3

What is the Smart Money score?

Accepted Answer

The Smart Money score summarises what public professional filings show: insider transactions (IAS), off-exchange volume (WHS), Congress trades (PTS), institutional 13F positions (IFS) and unusual options activity (OFS). A high score means more of these data layers point the same way; a low one means they diverge or point the other way.

It describes what happened in the data — it is not a forecast and not an instruction. Filings also arrive with a statutory delay (13F quarterly, insider Form 4 within days), which matters when interpreting them.

Question 4

How often is data refreshed?

Accepted Answer

Prices: in bulk after the close, plus several updates during the trading day (the most liquid names more often).
Scores: the whole universe is recomputed once nightly.
Earnings: daily sync.
Smart Money: insider daily, 13F quarterly (per statutory deadlines).
Data age is shown by the freshness badge on every page and live at /status.

Question 5

Where does QMA get its data?

Accepted Answer

Prices, fundamentals, estimates and ETF data come from established data providers and public sources. The Smart Money layer comes from primary public registries: insider transactions and 13F filings straight from SEC EDGAR, off-exchange volume from FINRA, Congress trades from public disclosures. Sentiment is computed from aggregated news. We buy nothing from non-public or unlicensed sources.

Today we focus on US stocks and ETFs (that is where our data depth is greatest). European names are on the roadmap — for now a price/technical layer only.

Data is end-of-day or slightly delayed — QMA is an analytical platform for decisions over days-to-months, not a real-time terminal. Data age is shown on every page and live at /status.

Question 6

What filters can I use in the screener?

Accepted Answer

13 filters: market cap, sector, exchange, price range, P/E, dividend yield, composite score, grade, individual sub-scores (FVS, IAS, WHS, …), volume, beta. Plus saved filters ("My Setups") and presets (Aristocrats, Compounders, Bagger Hunter, …).

Question 7

Is the data real-time?

Accepted Answer

QMA works with end-of-day (EOD) data + intraday updates: prices refresh in bulk after the close and additionally several times during the trading day (the most liquid names more often). It is not tick-by-tick real-time like an exchange terminal — QMA targets analysis and decisions over days-to-months, not intraday scalping. Non-paying accounts see delayed data; paid plans see current data.

Question 8

Which markets and stocks does QMA cover?

Accepted Answer

Primarily US-listed stocks and ETFs — about 17,000 stocks in the screener, 5,400+ ETFs, and 30,000+ scored weekly, with the highest coverage on the S&P 500 and large/mid caps. Crypto, commodities, indices and forex are being added. Individual European and Czech stocks are not the main focus yet — we concentrate on US markets, where the best public data (SEC, FINRA) is available.

Question 9

What languages does QMA support?

Accepted Answer

Fully translated: Czech, English, German. Partial: French, Spanish, Italian, Polish. Language switcher in the header (flag icon). Data (stock names, sectors) stays in original.

Question 10

What is the P/E ratio?

Accepted Answer

The Price-to-Earnings ratio = stock price / earnings per share (EPS). Measures how much investors pay for $1 of company earnings. Lower P/E can mean undervalued, higher P/E a growth premium. Always compare within a sector — tech firms typically have higher P/E than utilities. QMA's FVS pillar combines P/E with other valuation metrics.

Question 11

Short-term or long-term investing?

Accepted Answer

It depends on your goal and temperament.

Long-term (1+ year): lower capital gains taxes (in the Czech Republic a 3-year hold is exempt), fewer transaction costs, compounding works for you. Most QMA analytical output is built for this horizon.

Short-term (< 90 days): requires active monitoring, fresh data and stricter risk management. Historically it is harder on both time and temperament for most retail investors.

QMA describes the data for both horizons; the choice of horizon is yours.

Question 12

How do I read a balance sheet?

Accepted Answer

A balance sheet has three main sections: Assets (what the company owns), Liabilities (what it owes), Equity (= Assets − Liabilities). Key metrics:
• Current Ratio (current assets / current liabilities) > 1.5 = healthy liquidity
• Debt-to-Equity < 1.0 = low leverage
• ROE > 15% = efficient capital use
QMA's EQS pillar (Earnings Quality Score) reflects balance-sheet and cash-flow quality (the accrual component of earnings, cash-flow quality and similar).

Question 13

What is a dividend yield trap?

Accepted Answer

A dividend yield trap = a stock with an extreme dividend yield (10%+) caused by a price collapse, not a healthy payout. It often means the market expects a dividend cut. Typical warning signs: a payout ratio above 100% (the company pays out more than it earns), declining free cash flow and a deteriorating rating.

In its dividend views QMA filters out names with an unsustainable payout and a weak dividend score; the exact thresholds are not published.

Question 14

What happens in a bear market?

Accepted Answer

A bear market (a market decline of 20%+) is a normal part of the cycle — the US market has been through more than ten since 1950, and each was followed by a new high. What the data usually says about them:

• Panic selling at the bottom is among the costliest retail mistakes — selling low means missing the rebound, which most often arrives in the first weeks of a recovery.
• Defensive sectors (consumer staples, utilities, healthcare) have historically held up relatively better than cyclicals.
• Spreading purchases over time (a regular amount instead of a single entry) reduces the impact of poor timing.
• A cash reserve covering several months of expenses reduces the pressure to sell at the wrong moment.
• Quality vs. yield — companies with strong balance sheets survive drawdowns; high-yield names with a weak payout usually fall hardest.

This is general education, not a recommendation for your situation. During drawdowns QMA shows how pillar scores shift and what institutional filings reveal — descriptively, without predicting a bottom.

Question 15

How are stock gains taxed in the Czech Republic?

Accepted Answer

Key rule: the 3-year time test. If you hold a stock for more than 3 years before selling, the gain is exempt from income tax. Shorter holds: 15% tax on the gain (sale − purchase − costs). Dividends: 15% withholding tax (often deducted by the broker).

THIS IS NOT TAX ADVICE — consult a certified tax advisor, laws change. QMA provides general framing only.

Question 16

ETFs vs. stocks — what is the difference?

Accepted Answer

They differ in effort, risk spreading and how much knowledge they require.

ETFs (e.g. SPY, VOO, QQQ) — one purchase = hundreds of stocks. Low fees (~0.03–0.20% a year), broad diversification, minimal maintenance. For a large share of retail investors this is the entire core of the portfolio.

Individual stocks — higher potential and higher risk, requiring research and time. QMA's tools are built for exactly that work.

A commonly described approach combines the two: broad ETFs as the core and a smaller share in individual names. Which ratio makes sense for you depends on your horizon and risk tolerance — QMA does not decide that for you.

Question 17

What is DCA (dollar-cost averaging)?

Accepted Answer

Dollar-Cost Averaging = buying a fixed amount regularly regardless of price (e.g. $500 a month into a broad ETF). It limits timing risk and dampens emotion, because the decision is made in advance. Your purchase price averages out: the same amount buys more units when the price is lower.

The trade-off: in a market that rises over the long run, a single up-front entry is often mathematically better — DCA buys certainty and calm, not maximum return. It is most commonly described for long-term positions (1+ year).

Question 18

How do I reset my password?

Accepted Answer

On the login page click "Forgot password". We'll send a reset link to your registration email (valid 1 hour). If the email doesn't arrive within 5 minutes, check spam or contact us at quantummarketanalyzer@gmail.com.

Question 19

I'm seeing stale data, what should I do?

Accepted Answer

1. Check the Freshness badge on the page — it shows data age
2. Open /status for a live view of the sync pipelines
3. Hard refresh (Ctrl+Shift+R) — sometimes it is just browser cache
4. If /status shows an incident, we are on it — watch for updates
5. If the problem persists after 30+ minutes, report it to quantummarketanalyzer@gmail.com with the page URL and a screenshot.

Question 20

Which browsers does QMA support?

Accepted Answer

We fully support Chrome, Edge, Firefox, Safari in the latest 2 versions. Mobile Safari (iOS 15+) and Chrome Mobile (Android 11+) also work. Internet Explorer is not supported.

Question 21

Can I export my data?

Accepted Answer

Yes. The Screener and Watchlist have Export buttons (CSV / Excel). Portfolio export with P&L detail is part of the higher plan. GDPR data export: on request we send a JSON dump of all your data (request to quantummarketanalyzer@gmail.com, fulfilled within 30 days).

Question 22

Is there a mobile app?

Accepted Answer

Currently QMA runs as a Progressive Web App — you can add it to your home screen in iOS Safari or Chrome Android and it behaves like an app. Native iOS and Android apps are planned.

Question 23

Do I need experience to use QMA?

Accepted Answer

No. QMA is built for complete beginners too. We have an Academy with a full 7-part Beginner's Guide (from thinking about risk to reading financial statements), plain-language help on every term, a "Start here" section, and an AI analyst that explains everything. More experienced users appreciate the depth (sub-scores, Smart Money, historical simulations). It grows with you.

Question 24

How do I start? What should I do first?

Accepted Answer

1. Sign up — terms and prices are shown on the Pricing page before any payment.
2. Open "Start here" — it walks you through the platform.
3. In the Academy, read Steps 1–2 of the Guide (how to think about risk and horizon).
4. In the Screener or under Methodologies, look at high-scoring names and above all at why the model rates them highly.
5. Add them to your Watchlist and follow them for a while before making any decision.
6. Keep your own trades in the trading journal — hindsight is the best teacher.
Whenever you get lost, ask the AI analyst.

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