Ziggma is a portfolio analytics and research platform built for self-directed investors who hold for the long term across more than one brokerage account. Its strength is a pairing few rivals offer in one place: a fundamentals-based 0 to 100 quality score for every stock, sitting next to genuine real-world impact data and a pre-trade optimizer that shows what a position will do to a portfolio before the order is placed. Day traders and most active swing traders should keep looking, because Ziggma has no real-time scanner, no Level 2, no hotkeys, and no execution. It is a tool for deciding what to own over years, not what to buy in the next 10 minutes.
What Ziggma Is and Who It Is For
Ziggma sits on top of a trader’s existing brokers rather than replacing them. It connects to accounts, reads the holdings, and grades the combined portfolio on quality, risk, diversification, income, and impact. The intended user is a fundamentals-driven, buy-and-hold investor, often one who also wants their holdings to line up with personal values. Anyone whose edge depends on speed, intraday momentum, or order flow will find nothing here aimed at them.
Feature-by-Feature Breakdown
Multi-Account Portfolio Tracking
Consolidation is the core of the platform. Like the better stock tracking apps, Ziggma aggregates holdings from accounts held at different brokers into one dashboard, then breaks the portfolio down across six dimensions: diversification, quality, impact, dividends, risk, and alerts. The diversification view goes deeper than most broker dashboards, splitting exposure by asset class, asset type, industry, country, and individual position weight, with custom minimum and maximum limits that flag when any single holding or sector grows too large. Behind that view sits the Herfindahl-Hirschman Index, the same concentration measure used in antitrust analysis, which is a more honest gauge of clustering than a pie chart that only shows the top few names.
The Ziggma Stock Score
The Stock Score is the engine behind most of what Ziggma does. It rates every covered company from 0 to 100 using more than 30 fundamental and industry-specific indicators, grouped into four pillars: growth, valuation, profitability, and financial health. Scores update daily, and they are peer-relative, which is the part that matters. A price-to-earnings ratio of 20x reads as cheap for a software company and expensive for a bank, so each stock is graded against its actual industry rather than one blanket benchmark. The score is not a price target and not a buy or sell trigger, and the platform says so directly. That restraint is the right call, since the number works as a research filter for finding quality, not as a signal to trade on by itself.
Stock and ETF Screener
Filtering happens through sliding scales rather than fixed checkboxes, organized into four themes: Ziggma Score, Impact, Fundamental, and Momentum. Dozens of analyst-built preset screens give a starting point, from Accelerating Earnings and High Growth Small Cap to Fossil Fuel Free and Net Zero Target, and every preset can be adjusted once loaded. One distinction matters for the active crowd: this is a screener, not a scanner. It works as a fundamental stock screener with an impact layer on top, surfacing candidates to feed a watchlist or a research queue rather than streaming live intraday alerts as stocks move during the session.
Impact and Values Screening
This is where Ziggma pulls away from the field. Impact data comes from ACA Ethos, an independent provider, and feeds a 0 to 100 Impact Score drawn from roughly 600 raw metrics per company that roll up into about 80 topic-level scores across ten themes, among them climate action, fair labor, water and sanitation, and biodiversity. Metrics refresh monthly, while controversy monitoring runs several times a day across markets including the US, UK, Europe, Japan, India, Australia, and Brazil, with validated controversies pulling a score down. The key idea is the gap between impact and ESG risk. An ESG risk rating measures how environmental and social factors threaten a company’s finances. The Impact Score measures the reverse, how the company affects the world around it, which is why a fossil fuel producer can carry a respectable ESG rating and still score poorly on impact. More than 85 ethical screens, covering exclusions like weapons, deforestation, and human rights controversies, stack on top of the fundamental filters.
Portfolio Optimizer and Smart Alerts
The Optimizer is the headline paid feature. A trader enters a hypothetical buy or sell, and the tool recalculates five portfolio dimensions on the spot: diversification, quality, risk, impact, and yield. Rather than a trade confirmation after the fact, it shows the consequences first, including whether a new position would push the largest holding past a healthy weight or drag overall beta higher. It then offers ranked alternatives through four lenses, High-Scoring Peers, High-Impact Peers, Low-Risk Ideas, and High-Yield Ideas, each ordered by Stock Score. Smart Alerts handle ongoing monitoring, firing on rules a user defines around concentration limits, valuation shifts, or dividend changes. Execution still takes place at the trader’s own broker, since Ziggma never places orders.
Account Linking, Brokers, and Security
Connections run through Plaid and Snaptrade on a read-only basis, reaching more than 12,000 financial institutions through Plaid alone. The major US brokers are covered, including Fidelity, Charles Schwab, Robinhood, E*TRADE, Vanguard, TD Ameritrade, Interactive Brokers, Merrill Edge, Webull, and tastytrade, with Snaptrade handling direct-API brokers such as Interactive Brokers. Where a broker supports OAuth, login happens on the broker’s own site and credentials never reach Ziggma. Both aggregators hold SOC 2 Type II certification, and Plaid adds ISO 27001 and ISO 27701 with AES-256 encryption in transit. The connection cannot trade or move money, and a user can revoke it from Ziggma or from the broker at any time.
Ziggma Pricing
Ziggma runs four tiers. Annual billing is priced about 30% below monthly across the paid plans.
| Plan | Annual (per month) | Monthly | Linked accounts | Virtual portfolios | Headline additions |
|---|---|---|---|---|---|
| Free | $0 | $0 | None | 3 | Portfolio tracker, insights, dividend tracker, stock and ETF screener, newsletter |
| Starter | $6.99 | $9.99 | 1 | 5 | Portfolio Checkup, Ziggma Stock Score, Top 50, Impact X-Ray, saved screens, ad-free |
| Investor | $10.49 | $14.99 | 5 | 10 | Portfolio Optimizer, Smart Alerts, model portfolios |
| Expert | $13.99 | $19.99 | 5+ | Unlimited | Higher account and portfolio ceilings |
Two lines in that table carry more weight than they first appear to. Live brokerage linking is not part of the free plan. The free tier includes the screener, dividend tracking, and basic insights, but it operates on virtual portfolios, capped at 3, which a user builds or enters by hand rather than syncs from a broker. Connecting a real account begins on Starter at $6.99 per month billed annually, and that buys exactly one linked account. The Stock Score and the Impact X-Ray also sit behind Starter, while the Optimizer and Smart Alerts start on the Investor plan at $10.49 per month billed annually. The Expert tier mostly raises the linking and virtual-portfolio ceilings for users with many accounts.
Rules and Restrictions That Matter
A handful of mechanics decide whether Ziggma is worth it for a given investor.
The refund policy is narrow. Ziggma guarantees a full refund only if a user finds the holdings data to be incorrect after linking an account. It is not a general money-back guarantee on the subscription, so anyone unsure about fit should lean on the 7-day free trial, which opens every feature and does not charge the card during the trial window. Cancellation is simple and can be done at any time, with access running to the end of the paid period.
The account-linking caps are the real product boundary. Starter links 1 account, Investor links 5, and Expert links more than 5. An investor running a taxable account, a Roth, and a 401(k) at three different custodians needs at least the Investor plan to see all of it together, which is the exact situation Ziggma is designed for. That pushes the practical entry point toward $10.49 per month rather than the headline $6.99.
The impact data deserves a clear-eyed read. The scores are only as good as the ACA Ethos data underneath them, and for companies that do not disclose a given metric, values are modeled from peer averages adjusted for revenue or workforce size. Those estimates are flagged and can be excluded, but coverage thins out for smaller companies, and Ziggma does not run an independent audit of the data itself. For a US customer there is no value-added tax. Investors located elsewhere may see VAT added at checkout.
Bottom Line
Ziggma is one of the few tools that treats fundamental quality and real-world impact as a single question, then hands an investor a way to act on both before a trade is placed. For a long-term, multi-account investor who cares about what they own and why, it earns its keep at well under $15 per month. For an active trader, it answers a question they were not asking.
Pros
- A single peer-relative 0 to 100 quality score built on more than 30 fundamentals across four pillars, refreshed daily and free of any broker or order-flow conflict.
- Cross-broker consolidation through read-only Plaid and Snaptrade connections spanning more than 12,000 institutions, with credentials that never reach Ziggma.
- A pre-trade Optimizer that recalculates diversification, quality, risk, impact, and yield before an order goes in, which most broker apps do not attempt.
- The deepest values and impact data in this category, sourced from ACA Ethos at roughly 600 metrics per company with more than 85 ethical screens, kept separate from ESG risk ratings.
- Top-tier pricing still lands under $14 per month on an annual plan.
Cons
- The wrong tool for active trading. There is no real-time scanner, no Level 2, no time and sales, no hotkeys, and no execution, so day traders and fast swing traders gain nothing from it.
- The free plan oversells the free-tracker label. Connecting a live brokerage account requires a paid tier, and the free plan is limited to 3 virtual portfolios that have to be built manually.
- The refund guarantee only covers incorrect holdings data, not general dissatisfaction, so trial diligence matters before the card is charged.
- Impact scores rely on third-party data that Ziggma does not audit and that leans on modeled estimates where disclosure is thin, an effect that hits smaller companies hardest.