AI chat in the app
HADL has a built-in AI chat that sees your portfolio. It answers from your own numbers rather than in general terms, picks securities with screeners, remembers your strategy between conversations, sets alerts and records trades. There is nothing to connect - unlike linking HADL to ChatGPT or Claude.
How to open it: the round button in the bottom right corner of the screenthe AI-помощь button in the bottom bar. There is one chat for everything: ask it about your investments and about the app itself - where a button is and how to set things up.
What the chat can do
Answer from your numbers
The chat sees your holdings, returns, payouts, target allocation and bond details: coupon type, put dates, maturity dates, rating, face value currency.
- "What is dragging my portfolio's return down?"
- "Which of my bonds mature this year and how much cash will that free up?"
- "Which of my bonds are floaters?"
Calculate results for any period
Returns are calculated with the same formulas as the report in the Аналитика (Analytics) section, so the numbers in the chat match the screen.
- "How much have I earned since the start of the year?"
- "Compare the returns of my ruble and yuan OFZ bonds over the last 3 months"
- "How much did I deposit in 2026? Break it down by month"
Besides profit, the chat shows the return without the effect of deposits (TWR) and the annual return that accounts for deposit dates (XIRR).
Forecast capital and passive income
The chat projects how much your portfolio will hold years from now with regular deposits, and when payouts will reach the amount you need. The math is the same as on the Goals screen: your portfolio's return, the 12-month coupon and dividend forecast and your deposits. You can name your own assumptions in the question.
- "How much will I have in 10 years if I add 50 thousand a month?"
- "When will coupons and dividends reach 100 thousand a month?"
- "What if I withdraw payouts instead of reinvesting? Show it in today's money"
Available on all plans.
Pick securities and check the market
The chat looks up the key rate, issuer news and fresh reports on the web at the moment you ask. It picks securities with the HADL stock and bond screeners: "find bonds yielding over 20% that mature before 2028".
Remember your strategy and goals
Say it once - and you will not have to repeat it in the next conversations:
- Selection rules: "no floaters", "never above par", "no more than 5% per issuer". The chat remembers them for this portfolio and will not suggest securities that break them.
- Horizon and risk profile: "5+ year horizon, moderately conservative".
- Qualified investor status: the chat asks once and takes it into account when picking bonds (on the Базовый and Премиум plans).
- Capital and passive income goals: the chat sees the goals from the goal screen and works from them. You can set a goal right in the chat - "I want 15 million, I add 100 thousand a month" - it will calculate the timeline and save the goal once you agree.
Set alerts
- "Remind me when Sber reaches 320 RUB"
- "Tell me if Gazprom moves 5% in a day"
- "Remind me about the Lukoil dividend cut-off"
- "What alerts do I have?", "Remove the Sber alert"
These are the same alerts as in the app's notifications section and they are delivered the same way: push in the app or browser and Telegram, and a price target goes by email if neither is connected. If an alert would not reach you, the chat says so. A price change alert fires on both a rise and a fall, and for a portfolio it watches each security separately.
Read screenshots
Attach a picture with the button to the left of the input, paste it from the clipboard (Ctrl+V or Cmd+V) or drag it into the chat - up to 4 images at a time. From a screenshot of trades in your broker's app the chat lists each trade: security, quantity, price, date and fee, and records them into the portfolio if you ask. A screenshot of your portfolio at the broker is checked against HADL data with the differences named. What cannot be read on the picture, the chat asks about instead of guessing.
Record and undo trades
"Record a purchase of 10 Sberbank shares at 300 RUB yesterday" or a screenshot of a trade - the chat shows exactly what it will record and books the trade only after you say "yes". If the portfolio is synced with a broker, the chat warns you: the trade will arrive from the broker on its own, and one entered by hand would be duplicated. Changed your mind - write "undo", and the chat deletes its last batch of trades.
Build a target allocation
"I want 30% stocks, 55% bonds, the rest gold and cash" - the chat builds an allocation with categories and securities for rebalancing. If the shares add up to more than 100%, it does not save the plan and asks what to cut.
Help with the app
Where a button is, how to delete an import, how to share a portfolio - the chat answers from the HADL help and names buttons exactly as they are labeled in the app. Sections in the answer are links: tap one, the chat collapses and the section opens. If after an import there is a security you never had, or the numbers do not match your broker, the chat passes a complaint to the team: they review the import and write to you once it is fixed.
What is available on which plan
| Free | Лайт | Базовый | Премиум | |
|---|---|---|---|---|
| Messages in the chat | 5 a day | 10 a day | 20 a day | unlimited |
| Answers about your portfolio | 5 in total | yes | yes | yes |
| Answers from portfolio data, web search, app help | yes | yes | yes | yes |
| Strategy, goals, import complaint | yes | yes | yes | yes |
| Price alerts | - | up to 3 | up to 10 | unlimited |
| Dividend cut-off reminders | yes | yes | yes | yes |
| Screeners, period results, allocations, trades | - | - | yes | yes |
Everything is available during the demo period, as on Премиум. On the free plan, questions about the app itself do not count toward the five answers about your portfolio, and once those run out the chat keeps answering questions about the app: where a button is, how to upload a broker report, how to set up alerts.
Under each answer the chat suggests 2-3 follow-up questions about your portfolio - send one with a single tap.
Safety
- Everything that changes data needs confirmation. Trades, undoing trades and overwriting an allocation are shown as a preview first and booked only after your "yes". Alerts and goals are created right away: they overwrite nothing and are removed with one phrase.
- Undo in one command. The chat's trades are grouped into a batch, and "undo" deletes it entirely. Broker imports and manual entries are never touched.
- Only your portfolio. The chat works with the portfolios of your account and cannot see anyone else's.
Still have questions? Check the FAQ or write to the support chat.