The Cardume Method

Change your financiallife today.

The method that turns anyone — from a first contribution to a million-dollar portfolio — into an investor with method, clarity and control. No guesswork. No black box.

Free to startNo credit cardReady in 2 minutes
Investing isn't about finding the perfect sardine. It's about building a school that can weather any storm.
Objective criteria
A 0–10 Grade per asset
Public data
Structured, auditable reading
No guesswork
Transparent, repeatable method
You're in control
Sardinha never places orders

The real problem

The market doesn't reward guessing. It wears down whoever improvises.

Whether it's your first contribution or your thousandth: without criteria and a view of the whole, any portfolio comes down to luck. And luck doesn't weather storms.

IF YOU'RE JUST STARTING

You freeze when it's time to choose and end up not starting — the classic “I'll look into it later”.
You follow an influencer's tip and buy at the top, without understanding what you hold.
You don't know how much to put in each thing, or what counts as “too much risk”.

IF YOU'VE INVESTED FOR YEARS

Your portfolio became a patchwork: positions that came in and were never reviewed again.
A giant spreadsheet nobody updates that won't tell you whether the portfolio is balanced.
Hidden concentration in one sector — and no alert when something changes.

The answer isn't a magic stock. It's a method that fits the beginner and gives the veteran a clear view.

Six principles

How the cardume thinks

Before any tool, it's a shift in mindset. Six principles that hold for the first contribution and for the million-dollar portfolio.

01

Every asset must prove its strength

Nothing joins the cardume on hype. Quality, soundness, efficiency and risk become a Grade from 0 to 10.

02

The whole beats any single piece

No single stock guarantees results. The strength lies in the whole portfolio, built to withstand.

03

The strongest form the core

The highest-quality, most predictable assets hold the portfolio together. You build around them.

04

Risk is controlled, not ignored

No excessive concentration, no dependence on one sector, with a reserve and diversification across classes.

05

Markets change — the portfolio follows

Fundamentals shift and sectors rotate. A portfolio is never static: monitoring is part of the method.

06

Discipline beats emotion

Swap “what's going up today?” for “what strengthens my cardume?”. Criteria instead of impulse.

From principle to practice

Five tools. One whole method.

The Cardume Method isn't textbook theory. It becomes screen, number and alert — simple for beginners, deep for the demanding.

1GRADE

The Grade Sardinha

Each asset gets a 0-to-10 score from objective criteria — quality, soundness, efficiency and risk. The end of “is this any good?”.

ITSA4
9.2
BBAS3
8.4
EGIE3
7.6
VALE3
6.1
2DIAGRAMA

The Diagrama Sardinha

Your whole portfolio as a map: what's core, what's satellite, where it's concentrated. The full picture in seconds.

3MÉTODO

The Method in 4 steps

Evaluate, score, allocate and monitor. A repeatable process that takes emotion out of the decision — from first contribution to rebalancing.

Evaluate
Score
Allocate
Monitor
4SONAR

The Sonar

The intelligence that watches your cardume: dividends, Grade changes, concentration and contribution opportunities reach you — in chat and through proactive alerts. It never places orders.

Dividend confirmed
Grade revised: EGIE3 ↓
Financial sector 32% concentration
5REBALANCEAMENTO

Rebalanceamento do Cardume

When the portfolio drifts from target, Sardinha shows the way back to balance — no hunches, by criteria.

Current · Stocks72%
Target · Stocks60%

All of it in one place — free to start.

Create your account and build your first cardume in minutes.

Start now

There's no one-size-fits-all portfolio

The cardume adapts to your profile

The method is the same; the balance changes with you. See how the split across the four classes adjusts — and find your profile when you sign up.

PERFIL MODERATE

Balance between growing and protecting. Nearly half in fixed income, the rest spread across stocks, FIIs and a pinch of crypto. The classic cardume.

Stocks25%
FIIs25%
Fixed Income45%
Crypto5%
CARDUME100%

Method reference allocations, by class. They are not an investment recommendation. The emergency reserve is a separate foundational layer.

Live proof

The stocks the method approves, against the market average.

We don't promise you'll make money. We do better: we show, every day and in plain sight, how the method-approved stocks fare against the Ibovespa — the market average. You look and judge.

Method stocks103.32
vs
Ibovespa (market average)102.18
1.1 pts
Measuring since 05/07/2026 · base 100

It's the basket of stocks approved by the method (graded 7 or higher), updated daily — weights follow the methodology declared on the index page. It's transparency, not a buy recommendation.

Follow the full index (with REITs, IFIX and CDI) →

Why trust it

Trust is built with transparency — just like a cardume.

Sardinha doesn't tell you what to buy. It gives you the method, the criteria and the view so you can decide better. Forever.

Method, not a promise

Sardinha organizes and brings clarity. It promises no returns and doesn't sell “the next stock that will explode”.

You always decide

The platform places no orders and never touches your money. The last word — and the broker — are yours.

Criteria in plain sight

The Grade comes from public fundamentals with transparent rules. No black box.

Education at the center

Every number comes with the why. You learn the method as you use it — and become independent.

Frequently asked questions

Everything you want to know before starting

It is — it was designed for that. The method turns complex decisions into clear steps: you evaluate, score, allocate and monitor. You don't need to read balance sheets; the Grade does the heavy reading and shows you the why.

Your turnaround starts with one click.

The best day to start investing with method was yesterday. The second best is today — and it takes 2 minutes.

Free to startNo cardCancel anytime

Sardinha é uma ferramenta de organização de carteira. Não constitui recomendação de investimento. Dados de terceiros podem ter latência ou imprecisão. Aviso completo → · Metodologia · FAQ

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    The Cardume Method — invest by criteria, not by guesswork | Sardinha