Your complete behavioral financial profile — and what you need to know before reading it.
Before You Read This · Preamble
01 · Why This Report Exists
It Started With a Personal Frustration
PulseIndex was built because of a problem that almost every retail investor knows intimately but rarely talks about: you can be great at buying and terrible at selling. You identify the opportunity, you get in at the right time, you watch the position grow — and then you hold too long, give the gains back, and walk away wondering what happened. Or you panic out at the bottom. Or you let margin pressure force a sale at exactly the wrong moment.
The core insight behind PulseIndex is that most retail investors don't lose because they pick bad investments. They lose because they make emotional decisions at critical moments — exits, hold decisions, leverage choices — when the rules they set in a calm state would have told them exactly what to do.
The Investor DNA Report was conceived as the answer to a question most investors never get asked: what does your actual transaction history say about how you invest? Not what you believe about yourself. Not your stated strategy. Your real, documented behavior over time — analyzed without judgment and presented as a clear picture of your patterns.
"The kind of analysis wealth managers charge thousands to produce manually — generated from the data you already have."
The goal is not to tell you what to buy or sell. It is to show you who you are as an investor, where the behavioral cost in your portfolio lives, and what specific changes would have produced materially different outcomes.
02 · What This Report Is and Does
A Forensic Analysis of Your Transaction History
The Investor DNA Report is a behavioral financial profile generated by analyzing your complete brokerage transaction history. Every conclusion is traced to specific transactions. Every figure is verifiable against the underlying data. Where the data is ambiguous or incomplete, the report says so explicitly — it does not fill gaps with assumptions and present them as facts.
The analysis is investigative and forensic in nature. It reconstructs your position history, classifies every transaction by its true type using a rules-based engine, and scores your behavior across five dimensions. The engine tests its conclusions from both directions — detail level and portfolio level — before including them in this report.
What This Report Does
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Reconstructs your complete share position history for every instrument — actual shares held over time, from first purchase to last sale
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Classifies every transaction by its true type — discretionary equity, options activity, income, margin, capital flows — using a rules-based engine, not interpretation
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Scores your behavior across five dimensions: Entry Discipline, Exit Discipline, Leverage Management, Income Strategy, and Behavioral Consistency
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Calculates your true margin cost — total interest paid, income coverage ratio, and the year-by-year comparison of what leverage cost versus generated
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Surfaces the net financial impact of options activity — total premium paid and received, net P&L — without characterizing strategy intent
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Reconstructs your portfolio value trajectory and maps it to phases of actual transaction activity
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Flags tax considerations for review with your advisor — not as advice, but as awareness
What This Report Does Not Do
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Provide investment advice, buy or sell recommendations, or guidance on specific securities — at any tier
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Characterize or evaluate complex multi-leg options strategies. The report states net financial impact only — it does not name the strategy or assess its construction
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Provide tax advice. All tax flags are informational only and must be reviewed with a qualified tax professional
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Account for transactions or positions held at brokerages not included in the uploaded data
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Replace or replicate the analysis of a licensed financial advisor, CPA, or portfolio manager
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Predict future performance or guarantee that behavioral changes will produce specific outcomes
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State conclusions about complex transactions that cannot be verified against the data with confidence. Where analysis is uncertain, this report says so
03 · Known Limitations
What the Data Cannot Tell Us
Every analytical tool has a boundary. Understanding where this report's boundary sits is part of reading it correctly.
L1
The analysis is limited to the data provided. If you hold positions at multiple brokerages and only upload one account's CSV, the report reflects that account only. Positions, gains, losses, or margin activity not in the uploaded data are invisible to the analysis.
L2
Options strategies are analyzed by financial impact, not by intent. When you execute a complex multi-leg options strategy, the individual transaction legs appear in your CSV as separate rows. The analysis engine calculates net cash flow across those legs but does not attempt to reconstruct the strategy design, evaluate its construction, or assess whether it was executed correctly. Stating a strategy name or intent from transaction data alone risks mischaracterization — so this report does not do it.
L3
Margin interest cost attribution is approximate when position-level data is unavailable. Some brokerages report margin interest as a single periodic charge against the account rather than attributing it to individual positions. When this is the case, the analysis allocates the cost proportionally across margin-funded positions by size — a reasonable approximation, not an exact figure. Where your brokerage export provides transaction-level margin type data, attribution is exact.
L4
Unrealized gains and losses on current open positions depend on market data at the time of report generation. Historical unrealized values are estimated from reconstructed position history and available price data — they are directionally accurate, not audit-precise.
L5
Corporate actions — stock splits, ticker changes, mergers, spinoffs — can create apparent anomalies in position history. The analysis engine detects and accounts for common corporate actions. Unusual or complex events may require manual review if they produce unexpected results.
L6
Behavioral scores reflect documented patterns, not underlying intent. A low exit discipline score means the transaction record shows exits occurring under conditions associated with emotional or forced decisions. It does not render judgment on the person — it describes the pattern.
L7
This report is a retrospective analysis, not a prospective forecast. Past behavioral patterns inform likely future tendencies, but they do not predict specific future outcomes. The act of reading this report is itself a variable that may alter future behavior.
04 · Terms and Definitions
How to Read This Report
Discretionary Trade
A Buy or Sell that reflects a deliberate investment decision — not the equity leg of an options assignment, exercise, or automatic account action. Only discretionary trades are included in behavioral scoring.
Options Resolution
A Buy or Sell that results from an options contract being assigned or exercised, or a sell that closes against shares acquired through a recent assignment. These are classified separately and excluded from discretionary behavioral metrics.
Net Premium P&L
Total options premiums received minus all premiums paid. The net cash result of the options program, independent of any equity transactions that resulted from assignments or exercises.
Income Coverage Ratio
The percentage of dividend and distribution income consumed by margin interest in a given period. A ratio above 100% means margin costs exceeded income generated — a net-negative yield on the income strategy.
Manufactured Dividend
A payment received in lieu of a dividend when the broker lends your margin-held shares to a short seller. Taxed as ordinary income rather than at the qualified dividend rate. Flagged separately throughout the report.
NAV Erosion
The gradual decline in the net asset value per share of a fund over time — common in high-yield covered-call ETFs where option premium is paid out as distributions rather than retained in the fund's value.
Composite Score
A weighted average of five behavioral dimension scores. Scored 0–100. Reflects observed behavioral patterns in the transaction history — not a measure of investment performance or net worth.
Behavioral Archetype
A descriptive label derived from the dimension scores that most define the behavioral pattern. A snapshot of current pattern, not a permanent identity. Always descriptive, never pejorative.
DCA
Dollar-Cost Averaging — investing fixed amounts at regular intervals regardless of price. A dominant DCA pattern in the transaction history is a positive indicator for entry discipline.
Transaction Codes
Brokerage-specific identifiers labeling each transaction type in your CSV export. The classification engine reads these codes — along with surrounding context — to determine the true nature of each transaction. Different brokerages use different codes for the same activity; the engine translates each brokerage's format.
Before You Continue
This report was generated from transaction data you provided. It was not reviewed by a licensed financial advisor, broker-dealer, registered investment advisor, or tax professional. It is an analytical tool designed to help you understand your own investing behavior — not a substitute for professional financial guidance.
Every figure in this report is traceable to a specific transaction or set of transactions in your data. If a number appears that surprises you, the right response is to examine the underlying transactions — not to assume the report is correct and adjust your understanding accordingly. The analysis is designed to be interrogated.
The behavioral patterns documented here reflect your history. They are not predictions of your future. The report is the beginning of a conversation, not the final word.
Investor DNA Report begins below
PulseIndex · Investor DNA Report · Confidential
Investor DNA
Generated
March 27, 2026
Data Range
Mar 2020 – Mar 2026
Accounts
Robinhood + Fidelity LLC
Account Types
Both Confirmed Margin
Transactions Classified
5,327 events
Discretionary Equity
698 buys · 169 sells
Options Transactions
3,418 (analyzed separately)
Analysis Engine
PIX-3
56
// Emerging Discipline
Your Archetype
Systematic Income Builder, Options-Active
Dimension Scores · Weighted Composite
Entry Discipline 20%
74
Exit Discipline 30%
48
Leverage Management 10%
42
Income Strategy 15%
61
Behavioral Consistency 25%
52
01
Who Are You As An Investor?
Six years of transaction data — 5,327 classified events across two accounts — reveals a portfolio running two parallel strategies: a disciplined small-DCA accumulation engine across equities and income ETFs, and an active options program with its own financial track record. These are distinct activities. This report treats them as such.
The account opens in March 2020 at or near the COVID crash bottom. 183 discretionary buys totaling $44,057 across ten months, almost all under $500, deployed incrementally through one of the most fear-saturated markets in recent memory. Most retail investors froze or sold. This account was buying.
Phase 2 — Options-Active Growth (2021)
The portfolio peaks at approximately $110K in February 2021. Large equity transactions that appear in raw data this year are options assignment and exercise resolutions, correctly classified separately and not reflected in discretionary scores.
Phase 3 — Drawdown and Deleveraging (2022)
Margin interest peaks at $1,976 in 2022, exceeding dividend income by $501 — the only year the income strategy ran at a net-negative yield. Long-term index positions are sold near the year's lows under margin pressure.
What Patterns Define You?
83% of 698 discretionary buys are under $500. The median buy size is $157. Over six years and nearly 700 transactions, the default behavior is small, frequent, and consistent. The exit record is mixed — NVAX held through a 70% decline, index positions sold under margin pressure.
What Went Right and What Didn't?
Two major discretionary losses share one cause: no pre-defined exit rule. NVAX was held through a 70% decline. The index positions were sold at the lows because margin pressure forced them instead of a rule. This is exactly what the PulseIndex rules engine is designed to prevent.
The options program generated $100,404 in net premium over six years. Options equity events produced a combined net cash impact of –$117,890. Total options program net: –$17,487.
Your Report Continues Here
5 sections. Your data. Your behavioral profile.
What Patterns Define You · What Went Right and What Didn't · Forward Projection · What You Should Do Now · Your Evolution Timeline