# Quick Reference Card

Essential thresholds and key numbers for quick decision-making on the platform. Your go-to reference for Quality Ratings, PAR ranges, and buying signals.

Canonical: https://www.manifestinvesting.com/guide/reference/quick-reference

# 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)