Quick Reference Card

# Quick Reference Card

All the key numbers and thresholds you need for quick investment decisions.

## Quality Rating Thresholds

| Rating | Range | Color | Meaning |
|--------|-------|-------|---------|
| **Excellent** | 80-100 | Blue | Top-tier companies with strong fundamentals |
| **Good** | 65-79 | Green | Solid companies worth considering |
| **Average** | 35-64 | Yellow | Proceed with caution |
| **Poor** | 0-34 | Red | Avoid or consider selling |

**Action Rule**: Focus on companies rated 65 or higher.

## PAR (Projected Annual Return) Zones

| Zone | Range | Action |
|------|-------|--------|
| **Sweet Spot** | MIPAR+5% to MIPAR+10% | **BUY** - Ideal entry point |
| **Acceptable** | MIPAR to MIPAR+5% | Consider - Modest upside |
| **Expensive** | Below MIPAR | Wait or avoid |
| **Caution Zone** | Above MIPAR+10% | Investigate; projections may be unrealistic |

**Current MIPAR**: Check your dashboard for the latest market baseline

## Portfolio Allocation Guidelines

- **Maximum single stock**: 5% of portfolio
- **Minimum diversification**: 15-20 different stocks
- **Quality focus**: 80% of holdings should be Quality 65+
- **Sweet Spot targeting**: New purchases in MIPAR+5% to MIPAR+10% range

## Key Dashboard Metrics

### Portfolio Health Check
- **Weighted Quality**: Target 70+
- **Weighted PAR**: Target MIPAR+3% to MIPAR+7%
- **Number of holdings**: 15-25 for most investors

### Individual Stock Signals
- **Quality drop below 50**: Review for sale
- **PAR drops below MIPAR-5%**: Consider trimming
- **Both Quality 80+ and PAR in Sweet Spot**: Strong buy candidate

## Quick Decision Framework

### For New Purchases
1. Quality 65+ ✓
2. PAR in Sweet Spot (MIPAR+5% to +10%) ✓
3. Position size under 5% ✓
4. Understand the business ✓

### For Selling
- Quality drops below 50
- PAR falls below MIPAR-5%
- Position grows above 8% of portfolio
- Better opportunities available

### For Holding
- Quality 50-65 with improving trends
- PAR between MIPAR-5% and MIPAR+5%
- Company story remains intact

## Learn More

- [Understanding Quality Ratings](/guide/core-concepts/quality-rating)
- [PAR and Market Timing](/guide/core-concepts/par)
- [Portfolio Management](/guide/making-decisions/portfolio-design)
- [Using Your Dashboard](/guide/using-the-platform/dashboards)