How Luum works
Methodology, guides and reference. Every figure Luum shows is computed from data you provide or connect, and these pages explain exactly how.
Overview
FAQAnswers to the questions asked most often about Luum Wealth, brokerage connections, Canadian tax handling, pricing, data security and account setup.
Getting StartedLearn how to set up your Luum Wealth account and connect your first portfolio.
Investment StrategyHow Luum Wealth generates your AI Investment Strategy: projections, peer benchmarking, and diagnostics.
Tax CentreHow Luum Wealth tracks adjusted cost base (ACB), capital gains, contribution room, and tax exports.
Ticker Scores MethodologyHow Luum Wealth calculates Risk, Value, Quality, Momentum, and Dividend scores for every stock and ETF.
How-to guides
Connecting and Managing Brokerage AccountsStep-by-step guide to connecting a brokerage to Luum, managing multiple connections, handling token expiry, and removing a connection.
Exporting Your DataHow to export your portfolio data from Luum, capital gains PDFs, CSV transaction exports, and what each file contains.
Setting Up Goals and Tracking ProgressHow to create financial goals in Luum, link accounts, track your progress toward each goal, and update or close a goal.
Tracking Investments Without a Brokerage ConnectionHow to set up a portfolio in Luum without connecting a brokerage, populate it from a CSV, and keep it current.
Managing Multiple PortfoliosHow to create and switch between multiple portfolios in Luum, understand the demo portfolio, and see aggregated net worth across all accounts.
Getting the Most Out of Portfolio ChatHow to use Luum's AI Portfolio Chat effectively, example prompts, how answers are consumed, and what the AI can and cannot answer.
Targets, Drift and RebalancingHow to set allocation targets in Luum by asset class and by single security, how drift is measured, and what the rebalance simulator does and does not do.
Troubleshooting Brokerage Sync IssuesCommon brokerage sync problems in Luum and how to resolve them, stale data, failed connections, missing transactions, and when to contact support.
Using the Tax Centre to Prepare for FilingStep-by-step guide to downloading your capital gains report, reading your contribution room summary, and exporting data for your tax return.
Knowledge base
ACB Tracking in DepthHow Luum tracks adjusted cost base using the average-cost method, what happens on splits and mergers, and the limitations you should know about.
AI answer allowance and top-upsWhat each AI operation costs in answers, how many the Wealth plan includes, how carry-over works, and what the top-up bundles cost.
How AI answers workHow Luum grounds every AI answer in your actual holdings and transactions, what the assistant can and cannot see, and what it refuses to do.
How Brokerage Sync WorksUnderstand how Luum connects to your brokerage, what data is pulled, how often it syncs, and what read-only access means in practice.
How Portfolio Returns Are CalculatedLearn how Luum calculates time-weighted returns, handles cash flows, and compares your performance to a benchmark.
Tax Centre Deep DiveHow Luum computes capital gains, what the PDF and CSV exports contain, and how RRSP and TFSA contribution room is tracked.
Understanding the Investment Strategy PageLearn what the Luum Strategy page analyses, how rebalancing suggestions are generated, and what the AI output does and does not mean.