What's New on Rico aos Poucos?
Over the past few weeks, we rolled out automated portfolio synchronization with B3 via a browser extension, the ability to manage multiple portfolios and share them without revealing monetary values, a faster new server infrastructure, fixed-income tracking by specific Treasury bond, and new English and Spanish editions. Below is a breakdown of what each change means in practice.
The Browser Extension That Syncs Your Portfolio With B3
Entering assets trade by trade, contribution by contribution, was the biggest hurdle for new users. Investors with five years of history often have hundreds of orders spread across two or three brokerages, and typing all of that in manually is the difference between using a tool and abandoning it on the first night.
Our browser extension solves this by pulling data straight from the source: the B3 Investor Portal itself (investidor.b3.com.br), where all your trades are officially recorded. You log in as you always do, the extension reads the statement right on your screen, and sends the results to your account on our site. No brokerage passwords are required, and you don't have to type a thing.
Our most important design decision wasn't technical; it was behavioral: syncing with B3 means adopting B3's records. Where the exchange has a record, that record rules. The site doesn't keep asking, "You have 140 entries and the exchange has the same 140, what should I do?" Pointless prompts train users to click without reading, and our first version of this tool generated up to 43 pending items for a single portfolio. Today, only a single, legitimate question remains: an asset that is in your portfolio but unknown to B3—such as a unit purchased under someone else's name or an erroneous entry. These don't block anything, and once you confirm "it's mine," the system won't ask again.
Two safeguards protect users during synchronization. First is the window: the extension reports the exact period it read, and nothing outside of that timeframe is touched. The exchange publishes data up through the previous trading session, so today's activity remains entirely yours. Second is the diff: data that already matches is not overwritten, meaning you can resubmit the exact same statement ten times without producing a single change in your history.
Importing past history also does not trigger notifications. It would be easy (and terrible) to sync five years of distributions and receive four hundred alerts about "new income." The system only notifies you of fresh distributions, subject to a per-person cap, and logs the sync as a single event in the portfolio ledger—recording what changed, rather than thousands of individual orders.
New Server: Why the Site Experienced Slowdowns on September 2 and 3
It is worth being direct about this, because anyone who tried to access their portfolio on those two days certainly felt it. We migrated the site's infrastructure to a more powerful server, and the transition wasn't completely smooth: we experienced sluggishness and periods of downtime on September 2 and 3, 2026.
This instability was a consequence of the migration, not of our existing setup. Switching servers involves moving databases, redirecting routes, reconfiguring memory and processor limits, and discovering in real time which queries were slow—issues that went unnoticed previously simply because the old machine had enough headroom to hide them.
We used the migration as an opportunity to rewrite the heaviest part of the user experience: the My Portfolio screen. Previously, it loaded by making 13 separate requests to the server; today, the essentials arrive in a single request, and the rest loads after the page is already displayed. Transaction histories no longer travel with the initial load—previously accounting for 292 of the 442 KB of data on a screen that doesn't display transactions by default—and the list is now fetched only when you click to view it. The month-by-month performance table, which used to be calculated on your mobile device by aggregating over a thousand days of history, is now delivered fully processed by the server: response size dropped from 948 KB to 36 KB.
If you still notice anything unusual in your portfolio—numbers that don't add up, screens that fail to load, buttons that don't respond—please let us know. Following a migration of this scale, user reports are worth more than any automated monitoring.
Multiple Portfolios—and the Right to Show Only What You Want
Until recently, one account meant one portfolio. You couldn't maintain a study portfolio alongside your actual wealth, nor separate "what is mine" from "what I am testing." Now you can: you can create as many portfolios as you like, mark one as theoretical (using play money to test an investment thesis without cluttering your real net worth), and easily switch between them.
The feature that matters most to users who like to share their work is portfolio sharing. Each portfolio now has four visibility levels and a separate toggle that determines whether it displays values in reais:
| Level | Who Can See It | Purpose |
|---|---|---|
| Private | Only you | The default. It starts this way and stays this way until you change it. |
| Guests | People you invite individually | Share with family or a small group, with the option to revoke access later. |
| Link Access | Anyone with the address | Share within a group without needing to register individual users. |
| Public | Anyone | Keep the portfolio openly accessible at its own dedicated address. |
The value toggle is what makes this feature comfortable to use. When switched off, the shared portfolio displays asset allocation and performance in percentages, without a single monetary figure in reais: how much is invested in each asset, how much it yielded, how it performed over the period—without revealing the size of your total net worth. Furthermore, this filtering happens on the server, not in your browser: the actual figures never even reach the device of anyone opening the link, so inspecting the page source won't reveal the hidden data.
Invitations use a separate address by design. If you share a link and later want to cut off access for a specific person, you can regenerate just the invite link without invalidating the URL that is already circulating—and without cutting off everyone else at once.
Fixed Income, More Funds, and Updates Driven by Your Suggestions
Fixed-income tracking received an overhaul that changes the figures you see. Treasury bonds were previously handled as a free-text field: you would type "IPCA+ 2035" and the system, without knowing the exact security, would calculate your position using compound interest on the invested amount—essentially showing the bond's theoretical yield curve rather than its current market price.
The difference is substantial. For an IPCA+ 2035 bond purchased in March 2024, that calculation indicated R$ 6,399 when the actual position was worth R$ 5,351—a 19.6% discrepancy, always biased upward. Now, bonds are selected from a catalog, and positions are calculated by multiplying the quantity by the day's buyback price, updated using official data from Tesouro Transparente. The emergency reserve tracking was also made realistic: only funds that can be accessed instantly and at full value are counted there.
Concurrently, our database of covered real estate funds (FIIs) has expanded, and many of the smaller updates over recent months came directly from your feedback—interface tweaks, missing fields, and poorly explained metrics. We don't highlight every single one because there are dozens, but they are continuously being implemented.
New Visual Identity, Plus English and Spanish Editions
Our visual identity has been overhauled—including the logo, homepage, color palette, and content card layouts. The site is now available in three languages: alongside Portuguese, we launched English and Spanish editions with dedicated URLs and content rewritten for each audience rather than translated word-for-word.
Translating our entire archive is still ongoing—spanning hundreds of pages and articles—but the results are already visible as international readers discover our analyses. Meanwhile, our core publishing rhythm remains unchanged: multiple daily news updates, fund analyses, market indicators, and our suite of investment tools.
What We Are Building Next: A New FII Analysis Engine
This is where the vast majority of our time is going right now, and it represents the most significant upcoming change for users who rely on the site to evaluate real estate investment funds (FIIs).
We are rebuilding how we store fund data completely from scratch. Instead of saving only the most recent snapshot—net worth, monthly dividends, vacancy rates—every document published by a fund is now ingested in chronological order as a dated fact, with its origin tracked back to the specific report, base date, and reporting entity. The result is the complete history of each fund, month by month, from inception: what it bought, what it sold, how much cash it generated, how much it distributed, where management succeeded, and where performance stalled.
This is labor-intensive because the raw data volume is massive. There are hundreds of funds, and each fund publishes dozens of documents annually—management reports, monthly and quarterly statements, material facts, and meeting minutes. A single fund can have more than three hundred documents to reprocess, and every bug fix in our document parser requires us to rerun the entire historical dataset so improvements apply retroactively.
What This Reconstruction Enables
Forecasting. The engine's objective is to answer two questions that no standard indicator table can address:
How much a fund is likely to distribute in the coming months. Rather than simply projecting last month's dividend forward, this projection is built from the cash generation shown in regulatory filings and the historical percentage of that cash the fund distributes. This allows investors to spot inflection points ahead of time—the moment when distributions are set to step up or drop—rather than finding out on announcement day.
Where share prices are heading. Once future distributions become estimable, fair value ceases to be a static number and transforms into a trajectory, complete with scenarios and the spread between fundamental value and market pricing.
Why historical data loads matter so much. They allow us to backtest the engine against reality: we cut off historical data at a point in the past, let the model generate projections without seeing what happened next, and compare them against actual payouts. Without this testing, a forecast is just an opinion dressed up as math. Initial results are encouraging, but we are expanding our sample size before putting this in front of investors.
Where This Project Leads
Our goal is to build an analysis page where anyone can quickly understand a fund they have never followed before: what it is, its summarized history, challenges it has faced, portfolio holdings, management track record, current yield, and expected future distributions—not just what the fund has bought so far, but where it is heading.
This will make it possible to identify, based on rigorous criteria rather than guesswork, which funds are trading below fundamental value and which are overpriced—spotting situations where the market sold out of panic or bought out of euphoria. This foundation feeds directly into our next milestone: public theoretical portfolios built by the engine, featuring visible asset allocations, periodic rebalancing (every 14 or 30 days), and real-time tracking for anyone to follow. These won't be investment recommendations, but rather study portfolios with transparent benchmarks and performance records open for review without altering history.
We haven't launched this yet because we prefer to take our time rather than publish flawed calculations. Reprocessing the entire database takes time and effort, and every round of corrections restarts the cycle. When it launches, it will be complete.
How to Request a Site Update
It is worth repeating the principle guiding everything above: this site is built to help you track your investments. If something is broken, we fix it. If something is missing, we build it. A significant portion of our current features exists because a user wrote in to request them.
Suggestions and bug reports can be submitted via the "Contribute" link in the footer of any page, or through the comments below. Response times vary depending on the scope of the request: minor fixes are usually addressed in minutes or hours, while larger features take a day or two—or sometimes longer, depending on our development queue. However, every message is read.
What is available today: sync your portfolio with B3 via the browser extension, create and manage multiple portfolios, share them without exposing monetary values, track fixed income using specific bonds with market pricing, and navigate a faster site following our infrastructure migration. Coming soon: our FII analysis engine with dividend projections, price trajectories, and trackable theoretical portfolios—alongside our mobile app, which is currently in development.
Thank you to everyone who wrote in, reported issues, suggested improvements, and stuck with us through the recent instability. This is how the site grows—and it continues to grow alongside new users arriving every day.
