Before you start
Use Investment Plan after your portfolio has a credible current snapshot. The plan turns available capital into a structured research workflow: choose a budget, set constraints, compare Plan A/B/C, save one model, generate ideas and review each section only after market-data checks finish.
Detailed steps
Open Create / My Plan and check available cash
Start in Investment Plan > Create / My Plan. Check Cash on hand, Reserve for unexpected needs and Available after reserve before entering a budget. The plan should never consume cash that you need for short-term obligations, taxes, debt service or emergency reserve.
Enter reserve, amount to invest and monthly contribution
Enter a reserve first, then enter only the capital that can actually be invested. Amount to invest is the upfront budget. Monthly contribution is optional and supports Forecast and recurring comparisons; it is not added to the upfront amount. If the amount exceeds available cash after reserve, reduce the budget instead of forcing the plan.
Choose horizon, risk profile and guardrails
Time horizon controls how long the capital can stay invested. Risk profile controls how much volatility and illiquidity the plan can tolerate. Max line percentage prevents one idea from taking too much budget. Max illiquid percentage limits locked or hard-to-sell exposure. Review cadence controls when the plan should be checked again.
Set tax residence, market, allowed areas and crypto policy
Choose tax country and preferred investment market when eligibility matters. Enable only the areas you are willing and able to review: public markets, private investments, real estate, crypto and precious metals. Crypto max allocation is permission, not a target; the plan can still assign less or nothing when evidence is weak.
Save setup and compare Plan A, Plan B and Plan C
After setup is saved, compare the three model options. Plan A protects flexibility, Plan B is the middle path and Plan C accepts more market exposure. Read estimated annual range, risk, liquidity, budget and building-block split. Save one model only when the tradeoff fits your constraints.
Save one model as your active roadmap
Saving a model makes it the active roadmap. The model sets the amount in plan, expected range and scheduled review. It does not place trades or create external actions. Use Generate Investment Plan only when the setup is still correct and you are ready for section-by-section ideas.
Generate the Investment Plan and wait for checks to finish
Click Generate Investment Plan after saving the model. Capitelist may need to check fresh market data before showing ideas. If you see a checking state, wait until it finishes; the product hides partial ideas so you do not review incomplete output.
Open each section when the draft is ready
Use the section tabs to review suggested amounts, watch items, reasons and risks. ETFs and stocks should focus on listed-market exposure and duplication; private investments and real estate should focus on illiquidity and evidence; crypto and metals should focus on suitability, custody and volatility. Watch items do not receive capital until evidence improves.
Field guide
Spendable cash available before reserve and plan budget.
Open Cash if this number does not match your real balance.Cash kept outside the plan for unexpected needs.
Set it before choosing the amount to invest.Upfront capital assigned to the plan.
Exclude reserves, taxes, debt service and commitments.Optional recurring contribution used for Forecast and future comparisons.
Do not treat it as part of the upfront amount.How long the capital can stay invested.
Short horizons require more liquidity discipline.Tolerance for volatility, loss and implementation complexity.
Match your real tolerance, not the desired return.Maximum share one proposed line can use.
Lower it when concentration is already high.Warning limit for locked or hard-to-sell exposure.
Lower it when cash needs are uncertain.Eligibility context for product universe.
Set it before relying on ETF or fund ideas.Asset classes the plan may consider.
Disable areas you will not realistically implement.Model options with different liquidity and growth tradeoffs.
Save the model that fits the constraint, not the highest range.Whether a section has ideas to consider or watch.
Open each section before acting on the plan.When the plan should be refreshed.
Do not let stale plans drive current decisions.Decision rules
What it adds
- Turns excess capital and review findings into structured next steps.
- Checks existing positions before suggesting new exposure.
- Separates research ideas from execution.
What it does not do
- Capitelist does not place trades or guarantee returns.
- Research evidence can be unavailable or stale.
- The plan is only as good as the portfolio snapshot and preferences used.
Common mistakes
What to check
- Confirm the budget is truly investable and not needed for debt, tax or emergency liquidity.
- Review overlap with current positions before acting.
- Use professional advice for tax, regulatory and suitability decisions.
Using total cash as investable budget when part of it is reserved for obligations.
Treating a generated plan as trade execution or regulated advice.
Skipping tax country or preferred market when product eligibility matters.
Leaving every asset area enabled even when you would not implement one of them.
Selecting the highest-return model without reading liquidity, risk and downside context.
Reviewing partial ideas while market-data checks are still running.
Skipping the section tabs and missing a warning about overlap, liquidity or implementation risk.
Changing risk profile until the answer looks attractive instead of reflecting your real constraints.
After you save
- Open My Plan to confirm the active model, amount, horizon and scheduled review.
- Open each section tab and read suggested amounts, watch items, reasons and risks.
- Run Forecast for any plan that changes liquidity materially.
- Document why you accepted, deferred or rejected each major action.
- Cancel and rebuild the plan when budget, horizon, risk, tax country or portfolio context changes materially.