How to configure your investment plan in Titan

When you finish registration, you land on your profile screen. What you see there is the starting point you chose during onboarding, with the values of the profile you selected. Now it is time to adjust it.

This guide walks through each configuration block: what it does, what decisions it involves and why it matters. If you are not yet clear on the conceptual framework behind an investment plan, start here:

Investors manifest

The first block in your profile is the Investors manifest. It is a free-text field where you can write your goals as if you had already achieved them.

It does not affect the optimization engine or any calculation in the platform. Its function is different: to commit to yourself what you intend to achieve and how you will do it. A reference to come back to when the market tests you and the temptation is to break your own rules.

Leave it for last. Configure the rest of your plan first and, once you have made all your decisions, write the manifest with what you have decided. That order makes more sense.

Investment plan

This block holds your financial goal and the time horizon to reach it. If you set these during registration, you will see them reflected here. You can modify them at any time.

The key field is Target IRR: the annual return you need to reach your goal with the capital you have and the contributions you have defined. Titan calculates it automatically. You do not enter it; the system reads it as the result of the other parameters.

If the Target IRR looks very high, you have three levers to adjust it: lower the goal, extend the time horizon, or increase your periodic contributions. The system recalculates in real time as you modify each one.

On the goal itself: do not be too conservative. A high return demands work, discipline and risk control, but the reward of achieving it justifies the effort. Set an ambitious goal and build the plan to reach it.

Portfolio structure

Here you define the rules that govern how your portfolio is built. It is the most detailed block to configure, but also the one that most directly influences how the optimization engine works.

Initial asset weight range

The initial weight range with which the engine brings a new position into your portfolio. If you set it between 5% and 15%, every time the engine suggests entering a new asset it will do so within that range. This is your entry position size.

Maximum weight of any asset

The absolute ceiling any asset can reach in your portfolio, including appreciation. If a position grows above this limit, the engine will take it into account when rebalancing.

Additional investment after a drop of

This parameter defines when you are willing to break your own position size rule. If an asset falls enough without the thesis changing, the upside improves dramatically: a position offering 100% return that drops 50% now offers 400%. This field sets the drawdown threshold from which the engine can suggest adding beyond the maximum weight, because the opportunity justifies the additional risk.

Margin of safety

The minimum discount to intrinsic value you require before entering a position. If you value a company at 100 and your margin of safety is 20%, the engine will only consider it if it trades below 80. The higher you set it, the more conservative you are and the fewer ideas will pass the filter.

Leverage

If you activate it, you can define a maximum leverage limit with the corresponding slider. For most profiles, the answer here is no.

Countries and sectors where to invest

These two blocks define the concentration limits for geography and sectors in your portfolio. The slider sets the maximum weight any single region or sector can accumulate.

The default is 40%. If you leave it there, you are authorising the engine to concentrate up to that percentage in a single region or sector if it finds enough assets to justify it. That is not a risk in itself, but it is a conscious decision: if you prefer more diversification, lower the slider.

Think of it as defining your geographic and sector circle of competence. If you are not comfortable following companies from emerging markets or the energy sector, there is no point leaving those doors open to the engine.

Dividends

The dividends block has three options: Yes, No and Indifferent. For now, this setting does not change the behaviour of the optimization engine, but it does serve a specific purpose: committing to an investment philosophy.

Choosing Yes or No is not trivial. It defines whether you build your portfolio seeking periodic income or prioritising pure compounding. These are different strategies with different implications for the types of companies you analyse and how you manage the portfolio over time.

If you choose Yes, enter the annual amount you are looking to receive and the maximum payout you are willing to accept. This last one prevents the engine from taking you towards companies that distribute more than their earnings justify, which is usually a warning sign.

If you do not yet have a clear position, select Indifferent and come back to this decision when you have defined your strategy more clearly.

Save changes and review the result

Each block has its own edit button. When you finish configuring a block, save your changes before moving to the next one.

Once you have completed all the blocks, go back to the Investors manifest and write your commitment. Now you have all the decisions made to give it real content.

The plan you have just configured is the framework within which the optimization engine works. It is not a cage: you can modify it when your situation changes. What you should not do is change it every time the market makes you uncomfortable.