Ditch the spreadsheets. Real-time portfolios, fair gain splits, HMRC compliance, a gamified watchlist, five specialist AI analysts in your club feed — and AI that reads your bank and broker statements so data entry is a thing of the past. Individual EOA and multisig wallet support included for clubs trading crypto on chain.
Fund NAV
£218,450
↑ 14.3% this year
Top pick
+47.2%
NVDA · since added
Active members
11
across 2 funds
Tax compliant
✓ Yes
CEC calculated
100%
UK tax compliant
AI-powered
pick analysis & tagging
Fair splits
Capital Equalisation
Zero
spreadsheets needed
Investment clubs thrive on shared conviction, spirited debate, and the satisfaction of a collective win. HWSW handles every calculation in the background so your meetings stay focused on ideas — not admin.
Monthly meeting
Gloucester Investment Club
“We used to spend the first 20 minutes of every meeting reconciling contributions. Now we open HWSW and move straight to stock picks.”
Portfolio up 22%
Your fund has outperformed the FTSE 100 by 7.4% over 3 years.
🚀 James H. added a pick
Members nominate any stock to the watchlist with a pitch, and HWSW monitors performance from that exact moment. Every pick is tagged by AI — sector, geography, size, and sentiment — so you can see the shape of your club's thinking at a glance.
NVDA
NVIDIA Corporation
The AI supercycle is just beginning. Data center build-out is unprecedented.
GSK
GSK plc
NVDA
+47.2%
James H.
15 reactions
Five specialist AI analysts live in your club feed. @mention any of them for an instant view grounded in your portfolio data, live earnings reports, and real-time market news.
Victor
The Bull
Growth equity specialist. Finds compounders early, loves earnings catalysts and upward revisions.
Prudence
The Bear
Macro strategist. Stress-tests every bull thesis. Flags rate sensitivity, credit risk, and sector rotation.
Marcus
The Analyst
CFA-qualified. Reads every earnings transcript. Anchors every view to revenue growth, margins, and ROIC.
Rex
The Contrarian
Goes where the consensus is wrong. Spots sentiment extremes and unpriced value in hated names.
Sigma
The Quant
Factor analysis, momentum scores, VaR, and correlation. Expresses every view as a probability range.
A shared space for your club to post updates, ideas, and questions. @mention an agent and they reply instantly — pulling from your live portfolio data, the latest quarterly earnings, income statements, and a live web search for market news.
Live earnings data
4 quarters EPS + revenue
Real-time news
Grounded in web search
Portfolio context
Full holdings & weights
NVDA earnings next week — are we overexposed? @Marcus can you pull the numbers? @Victor I know you love this one.
NVDA's last four quarters show revenue of $39.3B, $35.1B, $30.0B and $22.1B — a YoY growth rate of +78% in the most recent quarter. EPS came in at $0.89 versus the $0.85 estimate, a 4.7% beat. Operating margin expanded to 61.1% from 57.2% a year ago. At the current price the stock trades at 38x forward earnings, which is elevated but supported by the data centre pipeline. The key risk heading into next week is guidance: consensus expects $43B for Q2 and any miss will be punished hard. NVDA is your second-largest position at 11.2% of the portfolio — I'd call that appropriately sized given the conviction, but not one to add to ahead of the print.
Overexposed? I'd argue you're underexposed. Blackwell orders are running 18 months ahead of supply and Microsoft just announced a further $80B data centre spend this year alone. The market is still pricing in a slowdown that isn't coming. Marcus is right that the print is binary — but the setup into it is the strongest I've seen in two years. I'm not selling ahead of results.
Every security added to the watchlist is automatically tagged with geography, sector, size category, and investment sentiment — no manual effort required.
Get an instant natural-language summary of your fund's state, top performers, concentration risks, and recent activity — generated fresh each visit.
Generate a unique SVG logo for your fund with a simple theme prompt. Gemini creates bold, playful artwork in seconds — regenerate any time.
Smarter data entry
Upload a PDF or CSV from your bank or broker and AI parses it automatically — extracting trades, contributions, dividends, and fees line by line. No manual re-keying, no formatting headaches. Statements from major UK brokers are recognised out of the box, and the parser flags anything it's uncertain about for a single human review step.
On-chain investing
Two wallet modes for clubs trading crypto on chain. Connect any individual Ethereum address (EOA) on Ethereum, Base, or Arbitrum — HWSW syncs transactions automatically via Etherscan, prices each trade at the historical rate, and creates token security records on the fly. For collective on-chain decisions, connect a multisig Safe wallet: transactions require approval from a configurable member quorum before they execute. Both modes flow automatically into your portfolio and tax records.
Built specifically for UK investment clubs, with the features that matter and the complexity hidden away.
A shared feed for the whole club. @mention any of 5 specialist AI agents for instant analysis grounded in your portfolio, live earnings data, and real-time news.
Real-time NAV calculations across all holdings. See fund performance at any point in time with FX conversion built in.
Members nominate picks with pitches, track returns from day one, and react with emojis. Badges and a live league table crown the best picker.
Gemini AI tags every watchlist pick, generates portfolio summaries, and creates unique SVG fund avatars on demand.
Run democratic voting sessions for buy, sell, and AGM decisions. Every vote is recorded and auditable.
Automatically protects late-joining members from CGT on pre-existing gains. The only platform that does this right.
HMRC-ready gain allocations per member, Form 185-ready figures, and year-end ownership percentages at a click.
Upload a bank or broker statement and AI parses it automatically — extracting trades, contributions, and dividends with no manual data entry.
Visual flow diagram shows early vs normal exit paths — gross payout, holdback deduction, and CGT estimate side by side.
Members are notified of new trades, watchlist picks, governance proposals, and any holding that moves ≥5% in 24 hours.
Drill into any holding for an AI portfolio summary, a price chart with units-held overlay, and a full transaction timeline showing buys, sells, dividends, and splits.
Invite new members by email, scoped to the active fund. Welcome and login-reminder emails are sent automatically via Resend, no SMTP config needed.
Connect individual Ethereum addresses (Ethereum, Base, Arbitrum) with auto-sync and historical price conversion, or a multisig Safe wallet with club quorum approval flows.
Manage roles and fund membership with a multi-step wizard. Track AML/KYC verifications, sanctions screening, and risk scores in a dedicated admin panel.
Run multiple funds or sub-funds from one account. Perfect for clubs that split by strategy or risk appetite.
Realised gains from sales are split proportionally across members based on ownership fractions — automatically.
Every transaction, contribution, and gain allocation is logged with a complete history. Nothing disappears.
No complicated setup. No spreadsheet migration. Just your club, your data, and a platform that works.
Create your club, invite members, and configure your fund's tax year and starting NAV. Takes under five minutes.
Record contributions, withdrawals, trades, and watchlist picks. HWSW calculates everything else automatically.
Every member gets a clean personal statement with contributions, gain allocations, and CEC positions. HMRC-ready.
Every country treats investment gains differently. HWSW supports all major cost-basis methods so clubs in the UK, US, or anywhere else can calculate gains correctly.
United Kingdom
HMRC rules
HMRC Section 104
The mandatory UK method. Shares are pooled and averaged across all prior acquisitions. Three matching tiers applied in order:
Full HMRC compliance built-in — including Capital Equalisation Credits for clubs
United States
IRS rules
First In, First Out (FIFO)
IRS defaultIRS default. Oldest shares sold first. Simple and widely accepted.
Specific Identification
Tax-optimisedChoose exactly which lot to sell — powerful for minimising gains or harvesting losses.
Average Cost
Mutual fundsWeighted average across all purchases. Common for mutual funds and simple portfolios.
Highest In, First Out (HIFO)
Tax-loss harvestingSell the highest-cost shares first to minimise taxable gain — popular for tax-loss harvesting.
Global / Other
International methods
First In, First Out (FIFO)
CA · AU · DE · FRThe international default — mandated or preferred in most European, Asian and Commonwealth jurisdictions.
Last In, First Out (LIFO)
Select jurisdictionsNewest shares sold first. Useful where recent purchases have a higher cost basis.
Average Cost
NL · CA · global ETFsWeighted average cost across all purchases. Common in the Netherlands, Canada, and for ETFs globally.
The cost-basis method is set per-fund — so a multi-fund club can use different methods for each fund.
Method comparison
| Method | UK 🇬🇧 | US 🇺🇸 | Global 🌍 | Best for |
|---|---|---|---|---|
| HMRC Section 104 | ✓ Required | — | — | UK clubs — legally mandated |
| FIFO | — | ✓ Default | ✓ Common | Simplicity & international default |
| Average Cost | — | ✓ | ✓ | Mutual funds, ETFs, simple portfolios |
| Specific ID | — | ✓ | Varies | Tax optimisation & loss harvesting |
| HIFO | — | ✓ | Varies | Minimising realised capital gains |
| LIFO | — | — | Varies | Jurisdictions where recent cost > old |
When a new member joins an investment club mid-year, they shouldn't pay Capital Gains Tax on gains that were already sitting in the fund before they arrived. Capital Equalisation Credits protect them — and HWSW calculates every credit automatically.
Example — Capital Equalisation Statement
£492 saved in unnecessary CGT
We're opening up HWSW to more investment clubs. Be first through the door — get early access, shape the product, and lock in your spot before we go public.
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Mobile app
Native iOS and Android apps so your club stays connected on the go.
🤝
Club discovery
Find other UK investment clubs, share ideas, and benchmark your returns.
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Advanced analytics
Deeper IRR, attribution, and risk analysis across every position.
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