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Agni Folio Docs

Money Crew

Money Crew is a small private group of people you trust: a partner, family members or a few friends. Each member sees a short leaderboard of everyone’s progress, shown as percentages. Nobody in the crew sees an amount of money.

It is built for a bit of friendly accountability. Seeing your crew’s numbers once a week is a reason to keep investing and keep your records up to date.

What your crew sees

Section titled “What your crew sees”

For each member, the crew page shows:

Shown to the crewWhat it means
First name and initialsTaken from your profile name. Never your full name or email address.
Fin. Ind. % (financial independence)Your portfolio value as a percentage of your FIRE target, capped at 100%. Shows a dash until you set annual expenses and a withdrawal rate in your FIRE settings.
XIRR %Your portfolio’s yearly rate of return. Shows a dash until there is enough dated history.
RankYour place in the crew, sorted by Fin. Ind. %
TrendAn arrow showing whether your Fin. Ind. % went up, stayed the same or went down since last week
Weekly streakHow many weeks in a row you recorded at least one buy, and whether you did this week
Creator badgeWhich member created the crew

What your crew never sees

Section titled “What your crew never sees”
  • Your net worth or any other amount of money
  • Your holdings, tickers or quantities
  • Your transactions (the streak only tells them that you recorded a buy that week, not what or how much)
  • Your accounts, brokers, banks or exchanges
  • Your email address or full name

The crew pages return first names, percentages and counts only. The amounts used to work out your Fin. Ind. % are used on our server and then dropped; they are never sent to other members.

Want your accountant or financial adviser to see your actual portfolio? That’s a separate feature: see Share with your advisor or accountant.

Turning Money Crew on

Section titled “Turning Money Crew on”

Money Crew is off until you turn it on. Go to Settings → Money Crew and switch on Turn on Money Crew. This adds Money Crew to the main menu. Turning it off later keeps your crews.

If someone sends you an invite and you join their crew, Money Crew turns on for you automatically.

Creating a crew and inviting people

Section titled “Creating a crew and inviting people”

From agnifolio.com/crew:

  1. Click Create Crew and give it a name (2 to 60 characters)
  2. On the crew page, click Invite a friend
  3. Copy the invite link, share it on WhatsApp or from your phone, or type an email address and we email the link for you

Each invite link works once and expires after 7 days. Before signing in, the person you invite sees only the crew’s name and your first name.

Limits:

  • Up to 10 members in a crew
  • Up to 8 crews per person
  • Up to 3 new crews per person per day
  • Up to 20 invites per person per day

The Monday email

Section titled “The Monday email”

Every Monday at about 9:00 in the morning your time, each member of a crew with at least two members gets a short email with their rank in the crew (for example “#2 of 5”) and a link to the crew page. “Your time” comes from the country in your settings. If no country is set, or we don’t have a time zone for your country, the email goes out at 9:00 UTC.

The trend arrows and streaks come from a snapshot taken once a week, so a new crew shows no trend until it has two weeks of snapshots.

Leaving, removing and archiving

Section titled “Leaving, removing and archiving”
  • Leave a crew: any member except the creator can leave from the menu on the crew page. You stop appearing on that crew’s leaderboard straight away. You can rejoin later with a new invite link.
  • Remove a member: the creator can remove any other member from the crew page. They can be invited back later.
  • Archive a crew: the creator cannot leave their own crew, but can archive it. Archiving removes the crew for everyone and cannot be undone.

Your portfolio data always stays in your own account. The crew never had a copy of it.

Ideas for using it

Section titled “Ideas for using it”
  • Couples who each track their own money and want a simple shared view of how close each of them is to financial independence
  • Parents and adult children who want to keep an eye on each other’s progress without sharing balances
  • A group of friends working towards financial independence at the same time
  • Two accountability partners who check each other’s streak every week

Money Crew vs. Wealth Legacy Planning

Section titled “Money Crew vs. Wealth Legacy Planning”

Money Crew is for people you want to compare progress with today, and it only ever shows percentages. Wealth Legacy Planning is for the people you name as nominees, who receive your portfolio records only if your account goes inactive.

What’s next

Section titled “What’s next”