Frequently asked questions

We keep track of the most frequently asked questions. If your question is not on the list, please contact us.

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General Questions

Here you can find an overview of the most asked questions about TYKR.

Yes! TYKR is the best place to start. In fact, TYKR is not only perfect for beginners but it will also help advanced investors save time.

TYKR is used for investing. Investing allows your money to work for you whereas trading you are still working for money like any other job. Here are more details on the differences between investing and trading. Investing is the strategy of buying stocks that are On Sale and allowing your money to make more money (leverage the power of compound interest). This is a safe, conservative, and passive approach. Trading on the other hand is a high-risk strategy of buying a stock or option and selling the same day (day trading) or selling within a short period of time such as 30, 60, or 90 days (swing trading). Investing requires less than 1 hour per week whereas trading requires more than 4 hours per day. When you invest in stocks that are On Sale, you have a high probability of making money. When you trade stocks or options, you have a high probability of losing money. We have nothing against day trading or swing trading, we just like making consistent reliable returns on our investments. The key to building wealth is “consistency”.

No. TYKR will get you up to speed but you need to think about the 4 M’s before buying a stock. Visit the Education page to learn about the 4 M’s (MOS, Meaning, Moat, and Management).

Absolutely not. Chris Hogan, (Strategic Business Partner of Dave Ramsey) states that “You can take responsibility, you can be intentional, you can set goals, and you can work hard, but if you don’t do these things repeatedly — year after year, then you’ll never get the results you want.” In other words, you can become a millionaire or even a multi-millionaire from stock investing but it will not happen overnight. You need to make consistent high returns in the stock market to achieve your financial goals.

No. TYKR is a stock screening platform, not a brokerage platform. TYKR will help you find great investments but it’s not the location where you actually invest your money. A brokerage is a platform where you deposit funds, buy stocks, and sell stocks. To provide more detail, a brokerage is where you connect your bank account (checking or savings) and make one-time deposits or like most investors, setup a recurring monthly deposit. The most popular brokerage platforms include TD Ameritrade, ETrade, and Robinhood.

Yes, TYKR has US and many non-US stocks from all over the world.


The reason is, TYKR analyzes businesses. It specifically looks at 5 years of historical data from the Income Statement, Cash Flow Statement, and Balance Sheet.

Crypto doesn’t have an income statement, cash flow statement, or balance sheet like a business. In other words, it’s a different asset class and in my opinion, not possible to analyze.

Our focus with TYKR is on (longer-term / low risk) value investing. The high volatility of the cryptocurrency market does not (yet) make it a good match with our focus.

TYKR is pronounced “TICKER”. As in ticker symbols (AAPL, NFLX, and AMZN).

That’s up to you! You only need to use it 15 minutes a week to be successful at investing but some investors enjoy spending hours browsing for On Sale stocks they have never heard of before. There are always good deals in the market!

As Warren Buffett has quoted, Rule #1: Don’t lose money. Rule #2: Don’t forget rule #1. What this means is, when you buy an On Sale stock and it goes down lower than your buy price, you do not sell. On Sale stocks have proven to have strong financials and eventually those stocks will go back up. This is the discipline of not worrying and letting great businesses make you money over the long term. Most novice investors lose money because they sell when stocks are down.

Investing Questions

Here you can find the frequently asked questions relating to investing.

Between 10 and 15. If you own too many stocks, you will end up creating a portfolio that mirrors a mutual fund, index fund, or ETF. Bundled products only return about 6% to 8% per year on average. That’s too low. You want to make sure you have a diversified yet focused investment portfolio. This allows your portfolio to grow by substantially higher percentages.

You shouldn’t think of the number in dollars, you should think of the number in percentages. The question is, what percent of your monthly income can you invest? We typically recommend that you invest between 15% and 30% of your monthly income. Get into the habit of treating your investment portfolio as an essential budgeted line item like your mortgage/rent, cell phone bill, and heating bill. Continuous contribution to your investments is important if you want to retire. If you don’t have a lot of money to start with, that’s okay. In that case, start with $1,000 and go from there.

You shouldn’t think of the term in months or years. That’s a mistake most investors make. When you buy an On Sale stock, you should hold it and keep buying more as long as the stock remains On Sale. As soon as the stock changes from On Sale to Watch or Overpriced is when you should sell or set a trailing stop loss as long as the price is higher than the price you bought it for. Remember, it’s not about “Timing the market”, it’s about “Time in the market”. Buying, holding, and letting compound interest work for you is the key to success.

Yes and No. Try to spread your portfolio over 3 – 4 sectors but you want to limit the number of stocks you own. Never invest all your money in one sector because when a sector starts going down, and you’re not diversified, your entire account will go down.

One of the worst economies in the last 100 years was the 2008 recession. Most people believe the recession lasted years which isn’t true. In 2008, the market went down 38%. In 2009, the market went up 23%. In other words, the recession lasted a year. In your case, if an On Sale stock goes down, let it go down but keep in mind, it won’t stay down for long.

There are 4 investment strategies.

  1. Value Stock Investing.
  2. Growth Stock Investing.
  3. Dividend Stock Investment.
  4. Speculative Stock Investing.

TYKR supports value stock investing. This is a low risk conservative strategy of buying and holding stocks for the long term. With value stock investing, you have a high probability of making money. Growth Stock and Speculative Stock investing are high risk. You have a high probability of losing money. Dividend stock investing is the strategy of buying stocks that pay quarterly dividends. You can make some money with dividend stock investing but keep in mind it will take a lot longer than value stock investing.

We like financial advisors. In fact, if you already have an advisor, we recommend you work with your advisor and use TYKR. Keep in mind, a financial advisor’s job is not to find great investments. Their job is a fiduciary. They will help you with budgeting, removing debt, planning for large purchases like a house or child’s education, obtaining life insurance, etc. A financial advisor also manages a lot of clients at once so finding individual stock picks for each client is extremely time-consuming. This is why financial advisors typically put everyone in Mutual Funds, Index Funds, and ETFs. In other words, they put customers in bundles of stocks and bonds that return, on average, 6% per year. That percent will help you retire in your 60s or 70s. On the other hand, TYKR helps you find stocks that return more than 15% per year which can significantly reduce your retirement timeline.

The average savings account earns .1%. The average annual inflation rate is 3.22%. In other words, your cash is losing 3% value every year. This is one reason why people don’t reach financial goals and don’t retire. If you feel like you take one step forward but two steps backward, this is one reason why.

Step 1, Relax. Step 2, if you followed TYKR and bought an On Sale stock, you now have two options. Option 1 is to let it go back up or Option 2 is to buy more when the stock is down. Buying On Sale stocks when they are down is how top investors make a lot of money in the market.

On Sale means the Share Price is less than the Sticker Price. This is also known as a Margin of Safety. A wise investor should buy a stock that has a margin of safety greater than 50%. Example: A stock with a share price of $100 and a sticker price of $200 would qualify as 50% off. This principle was created by Benjamin Graham and further employed by investors including Warren Buffett and Charlie Munger.

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