Portfolio research dashboards
Investors who want holdings, performance, risk metrics and AI-generated portfolio observations in one interface.
Independent tool overview
RAFA at a glance
RAFA is an educational investment-research app that combines AI agents, portfolio analytics, market monitoring, backtests, stock research and options activity for individual investors.
Visit the official RAFA site ↗
- Product type
- AI investment research and portfolio analytics app
- Markets shown
- Stocks, ETFs, crypto and options
- Portfolio input
- Manual or linked external accounts
- Trade execution
- The individual app is presented as analysis, not a broker
- Regulatory status
- Not a broker-dealer or investment adviser
- Business offering
- Separate RAFA PRO service for wealth firms
- Pricing checked
- August 31, 2026
Overview
What RAFA is
RAFA's individual-investor app organizes several financial-analysis jobs into conversational agents: equity research, portfolio risk, strategy testing, news sentiment, unusual options activity and market education. Users can track a manual portfolio or link supported investment accounts for portfolio-specific analytics.
The company now presents two distinct offerings. The main homepage emphasizes RAFA PRO, a custom AI-transformation service for wealth-management firms, while the individual app and its subscriptions remain available on a dedicated page. This review covers the individual investing product.
RAFA is not a broker-dealer, registered investment adviser or regulated financial-services firm, and its terms say outputs are educational and informational—not individualized financial, tax or legal advice. Treat alerts, backtests, suggested entries and portfolio reports as research leads that require source checks and a licensed professional when circumstances warrant.
Use cases
Who RAFA is best for
The strongest fit depends on the job you need the product to complete, not the size of its feature list.
Idea screening and monitoring
People using news, technical signals, options activity and watchlists to create a shortlist for further research.
Investment education
Learners who want conversational explanations of strategies, metrics and market concepts without treating the result as advice.
Capabilities
Core RAFA features
AI research agents
Conversational agents cover equity research, trading strategies, portfolio questions, market education and options analysis.
Portfolio risk analysis
Dashboards present holdings and metrics such as volatility, Sharpe ratio, CAGR, income and drawdown.
External account linking
Users can connect supported brokerage and cryptocurrency accounts or create a portfolio manually.
Portfolio monitoring
Paid plans add deeper reports, alerts and continuous monitoring for possible risks or opportunities.
Backtesting and strategy tools
The middle annual plan advertises unlimited portfolio backtests, a momentum model and strategy-agent access.
Options activity research
RAFA surfaces options flow and offers progressively broader options and strategy access on paid plans.
Separate adviser-firm service
RAFA PRO audits and deploys custom compliance, portfolio, engagement and research agents for wealth practices under custom terms.
Process
How the RAFA workflow works
Step 1
Choose manual or linked tracking
Start with a manual test portfolio when possible; review the privacy and data-sharing implications before connecting real financial accounts.
Step 2
Ask a narrow research question
Specify the asset, time horizon, data cutoff and metric you want rather than requesting a blanket buy or sell decision.
Step 3
Inspect underlying evidence
Verify prices, filings, earnings, news timestamps, options data and calculations against primary or regulated market sources.
Step 4
Stress-test the conclusion
Check alternate scenarios, fees, taxes, liquidity, slippage, concentration, drawdown and whether backtests introduce selection or look-ahead bias.
Step 5
Make the decision outside the model
Apply your actual goals and risk capacity and consult a licensed adviser or tax/legal professional before consequential action.
Cost
RAFA pricing and free plan
RAFA's individual-investor page shows a free plan and two paid prices when billed yearly. The page advertises a 17% annual-billing discount; taxes, app-store pricing, promotions and monthly-toggle prices can differ. RAFA PRO for wealth firms is consultation-based and separate.
Free
$0
Entry access for basic market research and one tracked portfolio.
- Limited daily AI messages
- Basic market insights
- One portfolio
- No ongoing portfolio monitoring or deep-dive reports
- Limited Strategy and Options Agent access
Basic paid plan
$12.49/month billed yearly
More active research, alerts, backtesting and agent access.
- 5× more AI conversations
- Swing-trade real-time alerts
- RAFA Momentum Market Model
- Unlimited portfolio backtests
- Enhanced options research and deep-dive reports
Top paid plan
$24.91/month billed yearly
The broadest individual plan shown on the current page.
- 20× more AI interactions
- Everything in Basic
- Full Options and Strategy Agent access
- Advanced portfolio monitoring
- Personalized deep-dive reports and priority support
Pricing checked . Check current pricing at the source ↗
Assessment
RAFA strengths and limitations
Where it stands out
- Combines portfolio, stock, news, strategy and options research in one investor-oriented interface.
- A free tier makes it possible to evaluate the workflow before linking accounts or paying.
- Manual portfolios offer a lower-data-exposure way to test the analytics.
- Risk and performance metrics add structure beyond a general-purpose chatbot conversation.
- Paid tiers publish concrete feature differences and annualized prices.
- The site provides explicit regulatory and AI-risk disclaimers that clarify the product's role.
What to consider
- RAFA is not a broker-dealer, investment adviser or regulated financial-services agency and does not provide individualized investment, tax or legal advice.
- AI responses may be incomplete, stale, inaccurate or based on data whose timestamp and methodology are not obvious.
- Backtests and hypothetical results can suffer from overfitting, survivorship bias, look-ahead bias and omitted fees or slippage; past performance does not predict future returns.
- Trade alerts, options flow and technical signals do not establish suitability, expected return or an ideal entry or exit for a specific person.
- Linked brokerage or crypto accounts expose sensitive financial and behavioral data; users should review permissions, retention, vendors and account security before connecting.
- The site markets portfolio-specific insights while its terms state that outputs do not account for all individual goals, risk aversion or circumstances.
- The consumer app, RAFA PRO service and separate RAFA Protocol are distinct surfaces with different audiences and should not be treated as one product or pricing model.
- Any investment can lose value, including the entire amount at risk; consequential decisions require independent evidence and, where appropriate, a registered adviser.
Compare
RAFA alternatives
The right alternative depends on the specific output, workflow, controls and budget your project requires.
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Danelfin
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Fintool
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RAFA FAQs
What is RAFA AI?
RAFA is an investment-research and portfolio-analysis app for individuals. It offers AI agents, risk metrics, stock and options research, alerts, backtests and educational explanations.
Is RAFA still available to individual investors?
Yes. The main homepage now focuses on RAFA PRO for wealth firms, but a dedicated individual-investors page, mobile-app links and consumer subscription tiers remain live as of August 31, 2026.
How much does RAFA cost?
The individual page lists Free, $12.49 per month billed yearly and $24.91 per month billed yearly. It advertises a 17% annual-billing discount; verify the checkout for monthly, app-store, tax and promotional differences.
Does RAFA execute trades?
The individual product is presented as research and analytics, not as a brokerage. Its terms state that RAFA is not a broker-dealer or investment adviser. Confirm any separate execution product and legal entity before authorizing transactions.
Is RAFA financial advice?
No. RAFA's terms describe the service as educational and informational and say outputs are not personalized recommendations or financial, tax or legal advice.
Can RAFA link my brokerage account?
Its documentation says users can link supported U.S. brokerage and cryptocurrency accounts or enter portfolios manually. Review the connection's permissions and privacy terms before sharing financial data.
Are RAFA's backtests and alerts reliable?
They are research inputs, not guarantees. Recheck source data, dates, corporate actions, assumptions, costs and out-of-sample performance, and never infer future returns from a historical backtest alone.
What is RAFA PRO?
RAFA PRO is a separate custom service for wealth-management firms that audits workflows and deploys compliance, portfolio, client-engagement and research agents. Public fixed pricing was not shown on the current homepage.
Bottom line
Our RAFA verdict
RAFA packages many retail-investor research jobs into a convenient multi-agent dashboard, and its free plan is a sensible way to test the interface with a manual portfolio. The product's alerts and personalized-looking reports must stay on the research side of the line: verify every material fact, protect linked-account data and make real investment decisions from your own circumstances with regulated professional help when needed.
Visit RAFA website ↗
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