v1.5.0 — International Currency Support

What's New

International Currency Support

• Portfolio now supports non-USD tickers (LSE, Frankfurt, and other exchanges) — configure defaultCurrency in config.json and holdings are automatically converted
• FX rates fetched live from Yahoo Finance (GBPUSD=X convention) in a single batch per run — no extra API key needed
• Sub-unit fix for exchanges quoting in fractional units: GBp/GBX (LSE pence → GBP), ILA (TASE agorot), ZAc (JSE cents) automatically divided by 100
• All prices, limit orders, dividends, suggested buy values, and portfolio stats displayed in your default currency
• Multi-currency caveat shown in emails and Telegram when the portfolio spans currencies
• totalPortfolioValueUSD deprecated in favour of totalPortfolioValue + defaultCurrency in config

Ticker Name Tooltips

• Company full names shown as hover tooltips on ticker symbols in all emails (daily, intraday, weekly, refresh)
• Names sourced from Yahoo Finance longName field

CI & Code Quality

• GitHub Actions CI now runs on all pull requests — catches type errors and formatting drift before merge
• Prettier formatting enforced across src/ and test/
• Unit tests (63 tests via node:test, zero dependencies) covering formatMoney, applyFxRate, and SUB_UNIT_FIX
• npm test — unit tests; npm run smoke — live API smoke tests (manual)

Bug Fixes & Improvements

• Two-stage AI analysis (Observe → Decide) improves STRONG BUY consistency by separating data parsing from decision-making
• Earnings calendar guard: hard HOLD if earnings ≤3 days, cap at BUY if ≤7 days
• Guard pipeline (guards.ts) programmatically enforces STRONG BUY criteria as a post-AI safety net
• ATR (Average True Range), Stochastic %K/%D, and OBV trend added to technical indicators
• News sentiment scoring: each headline rated bullish/bearish/neutral + impact with overall per-ticker sentiment fed to AI
• Reasoning persistence: 7-day rolling history of AI conviction trends shown to Gemini each run
• Fixed STRONG BUY over-strictness and bond ETF confidence constant

Full Changelog: v1.4.0...v1.5.0

v1.4.0 — Macro Indicators & Smarter STRONG BUY

What's New

Macro Environment Context

• AI now receives real-time macro indicators (VIX, 10Y Treasury yield, S&P 500, Oil/WTI, USD/DXY) from Yahoo Finance — no extra API key needed
• Gemini writes macro-aware risk assessments instead of generic boilerplate (e.g. "elevated VIX + high yields suggest caution")
• Fed to both daily analysis and detailed STRONG BUY analysis prompts

Smarter STRONG BUY Criteria

• Price below 200-day MA added as a price-level signal — ETFs (which lack P/E data) now have a viable path to STRONG BUY without requiring near-52w-low
• Entry signals now require at least 1 price-level signal (P/E below avg, 52w position <30%, or below 200MA) — momentum signals alone no longer sufficient
• Golden cross correctly ignored when price is below 200MA (lagging artifact, not bullish)

Bond ETF Framework

• Two-tier framework: short-duration (BSV, SHY, etc.) hard-capped at BUY ≤65%; long-duration (TLT, BND, etc.) eligible for STRONG BUY at rate cycle peaks
• RSI/MACD/momentum explicitly excluded as buy signals for all bond ETFs

Bug Fixes

• Fixed 52-week position misinterpretation in detailed analysis — Gemini no longer confuses "% of annual range" with "% of 52w high"
• Fixed golden cross framing in detailed analysis when price is below both MAs
• Three-layer news filtering (financial phrases → language filter → Gemini relevance) reduces false positive headlines

Technical Indicators

• MACD (12/26/9) with bullish/bearish crossover detection
• Bollinger Bands with %B, bandwidth, and squeeze detection
• Explicit conflict resolution hierarchy (MACD for trending, Bollinger for range-bound)
• Bottom-fishing model: stricter threshold for stocks/ETFs (3+ indicators) vs crypto (2+)

Other

• Intraday alerts refocused on STRONG BUY signals only
• Baseline updated after intraday alert to prevent duplicate notifications
• Auto-generated news search terms from Yahoo Finance company names
• Docs rewritten as GitHub-first for non-technical users

Full Changelog: v1.3.0...v1.4.0

v1.3.0 — Refresh Analysis & Smarter Intraday Alerts

What's New

Refresh Analysis Mode

Re-analyze a single ticker with the latest price (including after-hours/pre-market) to get an updated limit order and analysis URL.

npm run refresh -- SMH

Also available via GitHub Actions: Run workflow → mode: refresh → ticker: SMH

• Uses Yahoo Finance postMarketPrice / preMarketPrice (zero extra API calls)
• Sends email + Telegram with updated analysis URL
• Useful when you see a STRONG BUY alert after market close and the price has moved

Smarter Intraday Alerts

Intraday alerts now focus exclusively on STRONG BUY signals:

1. Upgraded to STRONG BUY — any action → STRONG BUY
2. Downgraded from STRONG BUY — STRONG BUY → any other action
3. Confidence changed ≥10 — while staying at STRONG BUY

Other Changes

• Fix: TradingView chart now renders correctly on the analysis page
• Fix: Detailed analysis uses Gemini Flash instead of Pro (avoids quota issues)
• Docs: Added "Who Should Use This" section to README
• Docs: Gemini free-tier quota gotcha and model swap guide
• UI: Repo icon and Google Gemini badge

Full Changelog: v1.2.0...v1.3.0

v1.2.0 — STRONG BUY Analysis Page

What's New

STRONG BUY Analysis Page

STRONG BUY tickers now include a "More Details" link in emails and Telegram messages. Clicking it opens a dedicated analysis page on GitHub Pages featuring:

• Interactive TradingView chart — 6-month candlestick with SMA50, SMA200, and RSI overlays
• Detailed buy thesis — 3-4 paragraph analysis generated by Gemini 2.5 Pro
• Risk analysis — specific risk factors to watch
• Key metrics grid — price, P/E, 52-week position, RSI, moving averages, momentum
• Fundamentals — ROE, debt/equity, margins, growth, analyst target
• Action summary — suggested investment amount, limit order price with reasoning

All data is compressed and embedded in the URL hash — no server-side logic needed. The page works offline once loaded.

Other Changes

• Fix intraday baseline — use age check instead of date string comparison
• CONFIG_JSON moved from Actions Secret to Variable for easier editing
• RECIPIENT_EMAIL moved from Actions Secret to Variable
• Cleaned up duplicate setup.md (content already split across doc pages)
• Updated screenshots, mockups, and documentation

New Files

• src/detailedAnalysis.ts — Gemini 2.5 Pro call for detailed buy thesis + risk analysis
• src/analysisUrl.ts — zlib compression + base64url encoding into URL hash
• docs/analysis/index.html — Static analysis page (decodes URL hash client-side)

Full Changelog: v1.1.0...v1.2.0

v1.1.0 — Value Investing & Crypto Bottom-Fishing

What's New in v1.1.0

Two new AI analytical frameworks embedded into the Gemini prompt — zero additional API calls, stays within free tier. Inspired by @xingpt's AI agent skills article on BlockTempo.

New Features

• Value Investing Framework — AI rates individual stocks A–D based on five fundamental criteria: ROE > 15%, debt/equity < 50%, FCF/operating CF > 80%, positive earnings growth, and price below analyst target. Displayed as colored badges in email and Telegram
• Crypto Bottom-Fishing Model — AI detects BTC/ETH accumulation zones using four indicators: RSI < 30, volume contraction > 20%, price below 200-day MA, and death cross. 2+ triggers a bottom signal, 3+ strongly considers STRONG BUY with DCA recommendation

How It Works

Both features are prompt-only enhancements — structured analytical frameworks injected into the single Gemini call:

• Fundamental data (ROE, debt/equity, FCF, margins, growth, analyst targets) comes from Yahoo Finance's financialData module, added to the existing quoteSummary call — zero extra API overhead
• Volume change (7-day avg vs prior 30-day avg) computed from existing chart data for selling exhaustion detection
• Value ratings adjust AI confidence: A boosts ~10 points, D reduces ~10 points
• Bottom signals shown in daily email, intraday alerts, and Telegram messages

Screenshots

Daily Brief	Intraday Alert	Weekly Rebalance

Files Changed

File	Change
src/fetchPrices.ts	Added financialData module + 9 new QuoteData fields
src/fetchTechnicals.ts	Added volumeChange7d computation
src/aiAnalysis.ts	Extended schema, prompt with 2 frameworks
src/email.ts	Value rating badges + bottom signal rendering
src/telegram.ts	Value rating + bottom signal inline
src/intradayCompare.ts	Propagated new fields
src/intradayEmail.ts	Rendered new fields in alerts

Upgrading

No config changes needed. Just pull the latest code — the new features activate automatically when Gemini is configured. Existing config.json and .env files work as-is.

Full Changelog: v1.0.0...v1.1.0

v1.0.0 — Technical Momentum & Limit Orders

What's New

Richfolio v1.0.0 — a zero-maintenance portfolio monitoring system with AI-powered buy signals, delivered daily via email and Telegram.

Features

• AI Buy Recommendations — Gemini 2.5 Flash analyzes valuation, allocation gaps, news sentiment, technicals, and risk
• Technical Momentum Signals — SMA50, SMA200, RSI(14), golden/death cross, momentum classification for every ticker
• Limit Order Prices — AI-suggested limit prices based on nearby support (moving averages, recent lows, round numbers)
• Allocation Gap Analysis — current vs target %, with suggested buy amounts
• Dynamic P/E Signals — trailing P/E compared against historical averages from Yahoo Finance
• ETF Overlap Detection — reduces buy priority when you hold overlapping stocks
• 52-Week Range Signals — highlights tickers near their 52w low or high
• News Digest — top headlines per ticker from NewsAPI
• Portfolio Health — weighted beta, estimated annual dividend income
• Intraday Alerts — periodic checks that alert only when buy signals strengthen vs morning brief
• Weekly Rebalancing Report — drift analysis with BUY/TRIM/OK actions
• Dual Delivery — dark-themed HTML email + condensed Telegram message

Stack

All free-tier services — $0/month to run:

Component	Service
Prices & Fundamentals	Yahoo Finance (yahoo-finance2)
News	NewsAPI.org (100 req/day)
AI Analysis	Google Gemini 2.5 Flash (250 req/day)
Email	Resend.com (3,000/month)
Telegram	Telegram Bot API
Scheduler	GitHub Actions (cron)

Getting Started

1. Fork this repo
2. Add secrets (CONFIG_JSON, RESEND_API_KEY, RECIPIENT_EMAIL)
3. Run manually or wait for the daily cron (8am AEST)

See the full documentation for setup details.