CYA
Simplify Tail Risk Strategy ETF
stock NYSE

I switched careers this year from mechanical engineering into software/app design, and wanted real practice instead of a fake case study. Saw this on the toilet and thought, I am glad someone said it, why don't I take a stab at it. Also I wanted to get feedback from you guys, kinda a goldmine of practice! Looking forward to iterate!

I'd noticed something similar myself, even on other apps like SoFi, though it makes more sense for viewing total savings which I influence with my spending and saving rather than my investments which are more influenced by factors more outside of my control.
**Problem 1: Does the toggle change your actual balance, or just the graph**
Switching between "total deposits + gains" and "gains only" could change the big dollar amount itself. BUT, as a designer you might want to CYA since it may be easy to forget which mode you're on, so you glance at your account expecting $25k and see $500 for a second before realizing it's just the toggle. This may increase customer service calls and become a UI nightmare.
**Solution:** Keep that big total number fixed no matter what. Let the toggle only control the graph underneath it, switching between total balance over time and gains only over time.
**Problem 2: The graph doesn't answer the question people actually open the app for**
Even with the toggle fixed, the line graph still mixes deposits in with performance, so it doesn't clearly show whether you're actually making money or not.
**Solution:** Show deposits and withdrawals (hodl forever) as vertical markers on the graph instead of folding them into the slope. A lump sum on one day feels like a vertical event, not a gradual increase to me. Curious what you guys think
**Problem 3: You shouldn't need a whole new page just to know if you're up or down**
Right now clickig that "View your performance" hyperlink takes you to a whole new page. For me, no thanks. Digging into detailed performance breakdowns makes sense as its own page, but right now even a basic snapshot of whether you're winning or losing on your investments requires navigating away from the main account view.
**Solution:** Keep a simple win/loss snapshot visible right on the main view with the toggle. Save the deeper dive, breakdowns by holding, historical detail, whatever, for the dedicated performance page.
**Problem 4: The change amount always defaults to today, no matter what time range you pick**
You can select 1 month, 1 year, 3 years on the graph, but the change number next to it still just shows today's change, so it never actually reflects the range you're looking at. I choose ranges so I can gauge relative performance in my investment journey. I am not a day trader and the today gains and losses are kind of a second rate stat at least for me, and I feel like most people want to know how their investments are performing in 1M, YTD, 1Y, 3Y chunks. These are big assumptions, so let me know where you guys stand.
**Solution:** Have the change amount update to match whatever time range is selected, so if you pick 1 year, you see your change over that year, not just today.
When you unselect the "Include deposits & withdrawals" toggle the dotted lines go away and the green and orange dots do as well. Its just a graph that reflects your growth (or lack there of).
https://preview.redd.it/vjjd09vhibch1.png?width=660&format=png&auto=webp&s=dea71e6d6465ff5ac3742d28c1ae6c1f0d1c5c3b

I switched careers this year from mechanical engineering into software/app design, and wanted real practice instead of a fake case study. Saw this on the toilet and thought, I am glad someone said it, why don't I take a stab at it. Also I wanted to get feedback from you guys, kinda a goldmine of practice! Looking forward to iterate!

I'd noticed something similar myself, even on other apps like SoFi, though it makes more sense for viewing total savings which I influence with my spending and saving rather than my investments which are more influenced by factors more outside of my control.
**Problem 1: Does the toggle change your actual balance, or just the graph**
Switching between "total deposits + gains" and "gains only" could change the big dollar amount itself. BUT, as a designer you might want to CYA since it may be easy to forget which mode you're on, so you glance at your account expecting $25k and see $500 for a second before realizing it's just the toggle. This may increase customer service calls and become a UI nightmare.
**Solution:** Keep that big total number fixed no matter what. Let the toggle only control the graph underneath it, switching between total balance over time and gains only over time.
**Problem 2: The graph doesn't answer the question people actually open the app for**
Even with the toggle fixed, the line graph still mixes deposits in with performance, so it doesn't clearly show whether you're actually making money or not.
**Solution:** Show deposits and withdrawals (hodl forever) as vertical markers on the graph instead of folding them into the slope. A lump sum on one day feels like a vertical event, not a gradual increase to me. Curious what you guys think
**Problem 3: You shouldn't need a whole new page just to know if you're up or down**
Right now clickig that "View your performance" hyperlink takes you to a whole new page. For me, no thanks. Digging into detailed performance breakdowns makes sense as its own page, but right now even a basic snapshot of whether you're winning or losing on your investments requires navigating away from the main account view.
**Solution:** Keep a simple win/loss snapshot visible right on the main view with the toggle. Save the deeper dive, breakdowns by holding, historical detail, whatever, for the dedicated performance page.
**Problem 4: The change amount always defaults to today, no matter what time range you pick**
You can select 1 month, 1 year, 3 years on the graph, but the change number next to it still just shows today's change, so it never actually reflects the range you're looking at. I choose ranges so I can gauge relative performance in my investment journey. I am not a day trader and the today gains and losses are kind of a second rate stat at least for me, and I feel like most people want to know how their investments are performing in 1M, YTD, 1Y, 3Y chunks. These are big assumptions, so let me know where you guys stand.
**Solution:** Have the change amount update to match whatever time range is selected, so if you pick 1 year, you see your change over that year, not just today.
When you unselect the "Include deposits & withdrawals" toggle the dotted lines go away and the green and orange dots do as well. Its just a graph that reflects your growth (or lack there of).
https://preview.redd.it/vjjd09vhibch1.png?width=660&format=png&auto=webp&s=dea71e6d6465ff5ac3742d28c1ae6c1f0d1c5c3b

Hello Traders,
I've found myself in the 390 penalty box today. This, in turn, has led me to do some research in hopes of appealing the decision to Schwab, regardless of how slim the chances.
In this search, I came across these two publications that seem to suggest that starting July 1 2026, the pro penalty for going over the 390 rule in a calendar month is now only one calendar month as opposed to a quarter (90 days).
When discussing this with Schwab, they decline to address if I will be penalized for 30 days instead of the traditional 90, citing essentially \[they deserve the right to be more conservative\] (which sounds like just CYA "we haven't gotten to it yet").
Please have a look at these documents and would you share your opinion if we (all of us as traders) should begin calling for brokers to drop the pro status after 30 days have passed.
[https://cdn.cboe.com/resources/regulation/circulars/regulatory/RC26-012-Amendment-to-Professional-Designation.pdf](https://cdn.cboe.com/resources/regulation/circulars/regulatory/RC26-012-Amendment-to-Professional-Designation.pdf)
[https://www.nasdaqtrader.com/MicroNews.aspx?id=ORA2026-23&utm\_source=reddit](https://www.nasdaqtrader.com/MicroNews.aspx?id=ORA2026-23&utm_source=reddit)