Invest with a thesis, not a feeling.

Document why you believe in a stock, track the evidence over time, and know when your original thesis changes.

Company facts from SEC filings. Your reasoning stays yours — and stays on the record.

Example memo
NVDA
NVDANVIDIA Corporation
Thesis intact
Thesis

AI infrastructure spending will continue driving data center growth faster than the market expects, and the software attach rate makes that growth stickier than a hardware cycle.

Revenue growth≥ 25%31.4%PASS
Gross margin≥ 70%72.4%PASS
Data center growth≥ 30%41.2%PASS
China exposureStableNew restrictionsWATCH

Illustrative figures. In the product every number is drawn from a filing and links to its source.

Your memory is a terrible investment journal.

You bought for one reason. Three months later the stock is down and you are certain you bought for another. The story updates itself quietly, and the lesson disappears with it.

March
What you thought

Margins should expand as the new product mix scales.

August
What happened

Margins compressed. Mix shifted toward lower-margin hardware.

Today
What you remember

I was mostly buying for the long-term AI story anyway.

The Decision Ledger remembers for you.

Every thesis, target, catalyst, risk and invalidation rule is timestamped. You can change your mind. You cannot quietly rewrite what you used to think.

How it works

Build a thesis. Track the evidence. Review the outcome.

  1. 1

    Write the thesis

    Record why the stock deserves your attention, in your own words. StockMemo will not write it for you — the argument has to be yours.

  2. 2

    Define what matters

    Choose the metrics, catalysts, risks and invalidation conditions the thesis depends on. Make it falsifiable while you still believe it.

  3. 3

    Review the evidence

    See whether reported results support or weaken your case, then record what you concluded and why.

The differentiator

A memo that keeps its own history.

When you change a thesis, conviction, catalyst, risk, price assumption or time horizon, StockMemo writes a new version and keeps the old one exactly as you left it — with the reason you gave at the time.

Over a few years that becomes the most useful document you own: a record of how you actually think, and where that thinking tends to go wrong.

Decision Ledger · NVDA
  1. Sep 12
    Quarterly review completed
    Conviction remained High.
  2. Aug 28
    Risk updated
    China restrictions added as a material risk.
  3. Jun 5
    Thesis revised
    Margin assumption changed from 75% → 72%.
  4. Mar 14
    Initial memo created
    Version 1 locked.
Facts

Revenue, margins, filings and reported results come from company disclosures. Every figure carries its period, its source and a link to the original document.

If a number is not available, StockMemo says so. It never fills the gap with an estimate.

Judgment

The thesis, the conviction, the valuation, the interpretation and the decision are yours, and are labelled as yours everywhere they appear.

StockMemo will never tell you a stock is a buy or a sell. A triggered condition means one thing: your thesis needs another look.

Stop rewriting your investment history.

Know why you bought it. Track what has to go right. Review the evidence when it arrives.