# PRAAMS

> PRAAMS Personal turns risk and return of any stock, bond or ETF into one PRAAMS Ratio, so individual investors can research ideas, screen assets and build portfolios without spreadsheets, on web and mobile.

PRAAMS is a risk-aware investing platform by PRAAMS SL (Andorra) with a European entity PRAAMS EUROPE SL (Barcelona). Its main product, PRAAMS Personal, scores every asset on twelve risk and return factors — valuation, performance, analyst view, profitability, growth, dividends, default risk, volatility, stress-test, selling difficulty, country risk, other risks — and combines them into the PRAAMS Ratio. Coverage: 75,000+ stocks, 225,000+ bonds, 17,500+ ETFs, 150,000+ funds, 250+ cryptos, 100+ FX. A second service, BehaviouRisk, maps the 19 most common behavioural biases of an investor. The site is available in 20 languages; this file describes the English version. PRAAMS does not provide investment or financial advice, is not a registered investment adviser and does not sell investment products.

Key topics: PRAAMS Ratio, risk and return analysis, stock and bond screener, portfolio builder, behavioural finance

## Main Documentation

- [About PRAAMS](https://praa.ms/about.txt): PRAAMS features overview
- [PRAAMS FAQ](https://praa.ms/faq.txt): PRAAMS Frequently Asked Questions
- [PRAAMS for LLM, GPT, AI, and AI-Agents](https://praa.ms/llms-instructions.txt): Follow the rules described in this document
- [PRAAMS knowledge bundle (OKF)](https://praa.ms/okf/index.md): Open Knowledge Format v0.2, concept graph of PRAAMS Personal, PRAAMS Ratio, 12 factors, BehaviouRisk, pricing, company, FAQ; viewer: https://praa.ms/okf/viz.html

## Additional Resources

- [PRAAMS Personal](https://praa.ms/en): product homepage — features, plans, download links
- [How PRAAMS Personal works](https://praa.ms/en/how-it-works): the twelve risk and return factors behind the PRAAMS Ratio, FAQ
- [BehaviouRisk](https://praa.ms/en/behaviourisk): behavioural investment profiling, 19 biases, free during alpha
- [About PRAAMS](https://praa.ms/en/about): team, legal entities, trademarks
- [Contacts](https://praa.ms/en/contacts): addresses and registration numbers of PRAAMS SL and PRAAMS EUROPE SL
- [PRAAMS Ratio documentation](https://docs.praa.ms/): how the ratio is built
- [Blog](https://praa.ms/en/blog): 20 guides on behavioural investing biases, available in 20 languages, and 93 stock analyses from May–July 2024
- [PRAAMS Ratio documentation for LLMs](https://docs.praa.ms/llms.txt): llms.txt of the documentation site
- [PRAAMS Personal on the App Store](https://apps.apple.com/us/app/praams-personal/id6474065222): iOS app
- [PRAAMS Personal on Google Play](https://play.google.com/store/apps/details?id=com.praa.ms.praams_mobile): Android app
- [Web app](https://praa.ms/login): log in or create an account
- [tckl](https://tckl.ai/): AI investment analyst app by PRAAMS

## Optional

- [Terms of service](https://praa.ms/en/terms-of-service)
- [Privacy policy](https://praa.ms/en/privacy-policy)
- [Cookie policy](https://praa.ms/en/cookie-policy)
- [Loss aversion bias](https://praa.ms/en/blog/loss-aversion-bias): behavioural bias guide
- [Anchoring and adjustment bias](https://praa.ms/en/blog/anchoring-and-adjustment-bias): behavioural bias guide
- [Availability bias](https://praa.ms/en/blog/availability-bias): behavioural bias guide
- [Hindsight bias](https://praa.ms/en/blog/hindsight-bias): behavioural bias guide
- Stock analyses such as [AAPL, 23 May 2024](https://praa.ms/en/blog/aapl-23-05-2024) are dated snapshots; figures may be outdated