How to Use SO Dividend: Beyond a Simple Calculator

Design Philosophy: 'Safety' and 'Intuition'

Track your dividend payback status at a glance without complex Excel sheets. Here is how to use SO Dividend's core features effectively.

1. Accurate 'Average Cost' Management

The key to calculating Payback Ratio is **'Actual Investment Amount'**. A rising stock price doesn't mean faster payback.

Initial Entry: Enter accurate 'Average Price' and 'Quantity'.
Add Investment: Bought more? Use the '+ Add Stock' button inside the card. Enter quantity and price, and the weighted average cost is automatically recalculated.

Keeping 'Total Investment' accurate is essential for precise analysis.

2. Recording Dividends = The Moment of Payback

Received dividends? Open the app and click '+ Add Dividend'.

⚡️ Instant Visual Feedback

Watch the 'Progress Bar' fill up instantly. Seeing the gauge inch towards 100% generates the dopamine needed to endure long-term investing.

3. Multi-Currency Portfolio Management

Investing in both KRW and USD stocks? SO Dividend manages them seamlessly.

It applies real-time exchange rates to show total asset value in your preferred currency (e.g., KRW). Toggle the currency button to instantly view your total wealth in USD. Perfect for global asset allocators.

4. The Safest Storage (Offline First)

Financial data is sensitive. SO Dividend **NEVER sends your data to any server.** Everything is encrypted and stored locally on your device.

💾 Backup Tip

Use the 'Backup (Download)' feature regularly. Save your portfolio as an encrypted JSON file to protect against device changes or cache clearing.

5. Level Up with Financial Quizzes

Don't miss the 'Financial Quiz' on the dashboard. New questions on dividends, taxes, and economics appear regularly. Investing is about knowledge. Boost your financial literacy one question at a time.