Quick Verdict
Moby is worth trying for investors who want accessible institutional-style research—but treat the picks as research starting points, not buy signals. At $179/year with a 30-day money-back guarantee, the financial risk is minimal. The real question is whether their “hedge fund-quality” research translates into actual outperformance. Their marketing claims impressive returns, but those claims aren’t verified on their current website, and their Terms of Use explicitly disclaim providing investment advice. If you value breadth (daily newsletters, 3 weekly picks, AI portfolios, political trade tracking) over verified alpha, Moby delivers. If you need proof before you pay, look elsewhere.
Rating: 3.5/5 — Solid research platform with accessibility advantages, but unverified performance claims limit confidence.
Best for: Active investors seeking institutional-level insights in accessible formats who can use picks as research starting points rather than blind buy signals.
The Track Record Question
Here’s where Moby gets complicated.
According to marketing materials we’ve encountered, Moby claims to have outperformed competitors by 3x over four years, with over 75 stock recommendations achieving returns exceeding 100% and an average recommendation yield of over 250%.
Those would be exceptional numbers—if they were verified.
But when we reviewed Moby’s current website, those specific performance claims weren’t prominently displayed. More importantly, their Terms of Use include this explicit disclaimer: “NO INVESTMENT ADVICE. The Content is provided for informational purposes only… Nothing contained on our Website or App constitutes a solicitation, recommendation, endorsement or offer to buy or sell any securities.”
This creates a fundamental tension: Moby markets itself as delivering “hedge fund-quality research” with stock picks, but legally disclaims that those picks constitute investment advice.
What this means for you:
- Don’t treat Moby picks as verified alpha generators
- Use their research as a starting point for your own due diligence
- The 30-day guarantee lets you test quality before committing
- Compare their picks against your own analysis before acting
In a market where the spread between winners and losers exceeds 575 percentage points (the best S&P 500 performers are up over 500% while the worst are down nearly 70%), stock selection matters enormously. But you need to know whether a service actually picks winners—and with Moby, that evidence isn’t publicly available.
What You Actually Get
Moby packs a lot into its $179/year subscription. Here’s what’s included:
Weekly Stock Picks
Three hand-picked opportunities delivered weekly, each with analysis and price targets. The picks span sectors and market caps, with the stated goal of identifying opportunities before they become mainstream.
AI Quant Portfolios
Machine learning-generated thematic portfolios that automatically rebalance. Think of these as algorithmic takes on sectors or investment themes—useful for seeing how AI interprets market trends, though you shouldn’t treat them as set-and-forget solutions.
Political Trade Tracker
Weekly updates on U.S. politician investment activities via an interactive dashboard. Given the ongoing debate about congressional trading and information advantages, this feature provides transparency into what elected officials are buying and selling.
Hedge Fund Tracker
Monthly reports analyzing hedge fund trading activities based on 13F filings. This translates institutional moves into actionable insights—though remember, 13F filings are delayed 45 days, so you’re seeing where smart money was, not where it is.
Daily Newsletters & Podcasts
Financial news written in an accessible, engaging style. With over 350,000 subscribers, Moby has built a substantial audience by making complex topics digestible. The daily format keeps you informed without requiring hours of research, covering market movements, earnings analysis, and macroeconomic trends.
Educational Resources
Visual lessons and courses for various skill levels, plus access to a Discord community of fellow investors.
The breadth here is genuine. You’re getting research, picks, tracking tools, and education in one package. Whether that breadth translates into portfolio returns is the question Moby hasn’t publicly answered.
How Moby Works
Moby describes its methodology as “distilling the best investing research in the world into brief, simple to understand reports.” In practice, this means:
- Curating publicly available research — They aggregate and synthesize institutional reports, market analysis, and company data
- Translating into plain English — Complex financial concepts become accessible narratives
- Generating AI-driven portfolios — Machine learning algorithms create thematic investment baskets
- Tracking institutional and political moves — 13F filings and congressional disclosures become actionable dashboards
The value proposition is clear: most retail investors don’t have time to read hedge fund research, track 13F filings, or monitor congressional trades. Moby does that work and delivers it in digestible formats.
What’s less clear is the edge. Curating public information is valuable, but it’s not the same as generating alpha through proprietary analysis. The AI portfolios add a quantitative layer, but without performance data, you can’t evaluate whether the algorithms actually work.
Pricing & Value
| Option | Price | Per Week |
|---|---|---|
| Annual | $179/year | $3.44/week |
| Monthly | Not disclosed | — |
The Math:
At $179/year, you’re paying roughly $1.15 per stock pick (3 picks/week × 52 weeks = 156 picks/year). You also get daily newsletters, AI portfolios, tracking dashboards, and educational content.
For comparison:
- Seeking Alpha Premium: $299/year — more user-generated content, less curated picks
- Morningstar Investor: $249/year — deeper fundamental analysis, fewer picks
- Stock Rover: $179/year — powerful screening, no stock picks
Moby sits at the lower end of the research platform price range while offering more breadth than most competitors at this tier.
The Risk:
The 30-day money-back guarantee significantly reduces your risk. You can evaluate the research quality, test the picks against your own analysis, and decide whether the platform fits your workflow—all before committing long-term.
The Real Question:
$179 isn’t the cost. Your time and attention are the cost. If Moby’s picks lead you to investments you wouldn’t have found otherwise—and those investments outperform—the subscription pays for itself many times over. If the picks underperform or you don’t use the platform, you’ve wasted both money and the opportunity cost of better research elsewhere.
The Trade-Offs
What Works
- Accessibility: Complex research translated into plain English—no finance degree required
- Breadth: Daily newsletters, weekly picks, AI portfolios, political tracking, hedge fund analysis in one subscription
- Price point: $179/year is competitive for the feature set
- Low risk entry: 30-day money-back guarantee lets you test before committing
- Modern delivery: Mobile apps, Discord community, podcast format appeal to younger investors
- Unique features: Political trade tracker and hedge fund tracker aren’t common at this price tier
What Doesn’t
- Unverified performance: Marketing claims impressive returns, but current website doesn’t display verified track record
- Legal disclaimers: Terms explicitly state content isn’t investment advice—creating tension with “stock pick” positioning
- Curated vs. proprietary: Research is synthesized from public sources, not generated from proprietary analysis
- 13F delay: Hedge fund tracking based on 45-day-old filings—you’re seeing where institutions were, not where they’re going
- No personalization: All content is general; nothing tailored to your portfolio, risk tolerance, or goals
Who Moby Is For
Subscribe if you:
- Want institutional-style research without the jargon or the price tag
- Value breadth (multiple features) over depth (verified performance)
- Can treat picks as research starting points, not blind buy signals
- Enjoy consuming content via newsletters, podcasts, and mobile apps
- Want to track political and hedge fund trading activity in one dashboard
- Have $179 to risk on testing a new research source
Don’t subscribe if you:
- Need verified performance data before trusting stock picks
- Want personalized advice tailored to your situation
- Prefer deep fundamental analysis over accessible summaries
- Are looking for a “set and forget” solution
- Can’t hold through volatility if picks underperform in the short term
Best Alternatives
If Moby doesn’t fit your needs, consider these alternatives:
For Verified Stock Picks
Motley Fool Stock Advisor — $99/year with a 22+ year track record and 750%+ returns since 2002. If you need proof that picks actually beat the market, Stock Advisor has the longest verified history in the industry. The trade-off: less frequent picks (2/month vs. Moby’s 3/week) and a more traditional format.
Try Stock Advisor — 30-Day Guarantee
For Research Tools Over Picks
Morningstar Investor — $249/year for institutional-grade fundamental analysis, fair value estimates, and economic moat ratings. If you want to do your own stock selection with professional-quality data, Morningstar is the gold standard. Less accessible than Moby, but deeper.
For Quantitative Screening
Stock Rover — $179/year (same price as Moby) for powerful screening, charting, and portfolio analysis. If you prefer building your own filters over receiving picks, Stock Rover gives you the tools without the recommendations.
Final Verdict
Moby solves a real problem: making institutional-quality research accessible to retail investors. The platform delivers breadth—daily newsletters, weekly picks, AI portfolios, political and hedge fund tracking—at a price point that undercuts most competitors.
The limitation is equally real: without verified performance data, you’re taking Moby’s word that their picks generate alpha. Their legal disclaimers explicitly state the content isn’t investment advice, which creates tension with the “stock pick” value proposition.
My recommendation: If you’re an active investor who values research accessibility and can treat picks as starting points for your own analysis, Moby is worth the $179 gamble—especially with the 30-day guarantee. Test the quality, compare their picks to your own research, and decide whether the platform adds value to your process.
If you need verified outperformance before subscribing, skip Moby and go with Stock Advisor or Alpha Picks—services with documented track records.
The market is rewarding stock selection more than ever. With top performers up 500%+ and laggards down 70%, finding the right picks matters enormously. Moby promises to help you find them. Whether it delivers is something you’ll have to test for yourself.
Not sure Moby is the right fit? Explore all options in our guide to the best stock research websites.
Frequently Asked Questions
Is Moby worth the money?
Moby is worth trying for investors who value accessible research and can treat picks as starting points. At $179/year with a 30-day money-back guarantee, the financial risk is low. The platform delivers breadth—daily newsletters, 3 weekly picks, AI portfolios, political and hedge fund tracking—at a competitive price. The limitation: performance claims aren’t verified on their current website, and their Terms explicitly disclaim providing investment advice. If you need proof before paying, consider alternatives with documented track records.
What are the best alternatives to Moby?
The best Moby alternatives depend on what you prioritize. For verified stock picks with a 22+ year track record, Motley Fool Stock Advisor ($99/year) is the industry standard. For deep fundamental research without picks, Morningstar Investor ($249/year) offers institutional-grade analysis. For quantitative screening at the same price point, Stock Rover ($179/year) provides powerful tools without recommendations. Each serves a different investor need.
Moby vs Motley Fool Stock Advisor?
Stock Advisor wins on verified performance; Moby wins on breadth and accessibility. Stock Advisor has a 22+ year track record with 750%+ returns since 2002—documented, auditable outperformance. Moby offers more features (daily newsletters, AI portfolios, political tracking) at a higher price point ($179 vs $99), but can’t prove their picks beat the market. Choose Stock Advisor if you need confidence in returns; choose Moby if you value variety, higher pick frequency, and modern delivery formats.
How do I cancel Moby?
To cancel Moby, log in to your Account Settings and navigate to the Change/Cancel Membership page before your renewal date. Subscriptions auto-renew at the then-current price unless cancelled. If you cancel mid-subscription, you retain access until the end of your term but receive no prorated refund. The 30-day money-back guarantee applies from your Service Commencement Date or any Renewal Commencement Date—cancel within that window for a full refund.
Does Moby provide investment advice?
No—Moby explicitly disclaims providing investment advice. Their Terms of Use state: “The Content is provided for informational purposes only… Nothing contained on our Website or App constitutes a solicitation, recommendation, endorsement or offer to buy or sell any securities.” While they deliver “stock picks” with price targets, these are legally positioned as educational content, not personalized recommendations. Treat their picks as research starting points, not buy signals.
Is Moby’s track record verified?
Moby’s performance claims are not independently verified. Marketing materials reference 3x competitor outperformance and 75+ stocks with 100%+ returns, but these claims aren’t displayed on their current website. Without third-party verification or a transparent performance dashboard, you can’t confirm whether their picks actually beat the market. This is a significant limitation compared to services like Stock Advisor, which publish auditable performance histories.
How many stock picks does Moby provide?
Moby delivers 3 stock picks per week, totaling approximately 156 picks per year. Each pick includes analysis explaining the investment thesis, price targets, and relevant sector context. At $179/year, this works out to roughly $1.15 per pick—making it one of the highest-volume stock pick services at this price tier. For comparison, Motley Fool Stock Advisor provides 24 picks annually (2 per month), while Alpha Picks delivers 2 picks per month. The trade-off is that higher pick volume doesn’t guarantee better results—what matters is whether those picks outperform, which Moby hasn’t publicly demonstrated.
What is Moby’s political trade tracker?
Moby’s political trade tracker monitors U.S. congressional stock transactions and displays them in an interactive dashboard updated weekly. Members of Congress are required to disclose stock trades within 45 days under the STOCK Act, and Moby aggregates these filings to show what elected officials are buying and selling. The feature covers both House and Senate members across party lines. While this transparency is valuable—especially given ongoing debates about congressional trading advantages and potential insider information—the 45-day reporting lag means you’re seeing historical moves, not real-time positions. The tracker is most useful for identifying patterns and sectors of interest rather than trade copying.
Does Moby have a mobile app?
Yes, Moby offers mobile apps for both iOS and Android devices. The apps provide full access to daily newsletters, weekly stock picks, AI quant portfolios, political and hedge fund trackers, and educational content. Push notifications alert subscribers to new picks and market updates. The mobile experience is designed for investors who prefer consuming research on-the-go rather than at a desktop. Combined with their podcast format and Discord community, Moby emphasizes modern, accessible delivery channels that appeal particularly to younger investors who want institutional-quality research without the traditional Wall Street presentation.