The Personal Capital Plan in the TIC App: Position Sizing Built From Your Own Numbers

Position sizing is where trading accounts are quietly won or lost, and it is the part almost nobody does properly. The Personal Capital Plan in the TIC app exists to take the guesswork out of it by building a monthly risk plan from your own account numbers instead of a generic rule copied from a forum.

What is the Personal Capital Plan?

It is a monthly risk and position-sizing plan generated from three real inputs: your live broker equity, the prop-firm limits you have declared if you trade a funded account, and the actual stop-loss distances on TIC's recent gold signals. It sits on the Elite plan and refreshes once per calendar month, or sooner if your equity moves by more than 15 percent.

The output is deliberately narrow. It gives you the dollar risk band for a single trade and the lot range that matches it on a typical TIC gold stop. It does not tell you what to trade, or when.

How does it calculate your position size?

With arithmetic, not with an AI model. Every figure in the plan is computed in code from your live inputs, and the bilingual explanation wrapped around those figures is a fixed template. There is no language model anywhere in the calculation path, which means the plan cannot invent a number, cannot predict a market, and cannot flatter you.

Here is the worked example the service runs against itself before it will serve anything. Take an account holding $5,000 of equity, and a typical TIC gold stop of 200 pips. Gold is standardised at $10 per standard lot per pip, so that stop represents $2,000 of risk for one full lot.

Two details in that calculation matter more than they look. First, the risk band is fixed at 1 to 2 percent of equity and never widens because a setup looks attractive: the signal sets the stop, your percentage sets the size, so a wider stop means a smaller position rather than a bigger risk. Second, the lot figure is always rounded down to the 0.01 step, never up, because rounding 0.035 up to 0.04 would quietly overshoot your stated risk by 14 percent.

What happens when the account is too small?

The plan tells you not to trade that size. That is the most valuable thing it does.

If even the minimum 0.01 lot would risk more of your account than safe sizing allows, the plan does not shrink the numbers until they look agreeable. It says so plainly and recommends growing the account first while practising the same signals risk-free in the app's paper-trading simulator. Recommending a 0.01 lot on an account where that single lot risks 10 percent per stop would be coaching somebody toward a blown account, so the plan refuses to produce one. Our glossary entry on what drawdown really costs explains why that refusal matters more than any signal ever will.

What the plan will not do

If you connect a funded account, the plan also reads the daily-loss and total-drawdown limits you declared and turns them into a plain instruction: how many plan-sized losses reach your daily line, and the point at which you stop for the day. Where a 2 percent trade would breach the daily limit on its own, it caps the per-trade risk instead of pretending the conflict does not exist.

Who is it for?

Elite subscribers who trade their own account and want the sizing decision settled before the market opens rather than improvised in the middle of a move. If you are earlier in the journey, the free smart trading journal and the paper-trading simulator build the habits this plan later formalises, and our guide to how TIC AI trading works covers the strategy side. The wider product sits at /ai-trading.