Investments

The Investments page shows what you own, what you paid for it and how it is doing. It is at Sidebar > Tools > Investments.

An investment is an ordinary account with the Investment switch turned on. Everything else comes from things WYGIWYH already has: transfers, exchange rates and reconciliations.

Setting up an investment

Pick the kind that matches how you know what your investment is worth.

Priced by units

Use this for stocks, ETFs, funds with a share price and crypto, where you know how many units you have and the price of one unit.

1. Create a currency for the asset, for example PETR4 or bitcoin. Use a code your exchange rate provider recognizes.
2. Create an account in that currency. Set its Exchange Currency to the currency you pay in (for example BRL) and turn on Investment.
3. Record each purchase as a transfer from your cash account to the investment account: reais out, units in. A sale is a transfer the other way.
4. Add exchange rates for the asset against the currency you pay in, by hand or with Automatic Exchange Rates. The latest rate is the current price.

If units arrive without a payment linked to them, for example shares moved from another broker, their cost is estimated from that day's price and the investment shows a warning icon.

Tracked by value

Use this for fixed income, savings, pensions and property, where you only know the total balance.

1. Create an account in your currency, leave Exchange Currency empty and turn on Investment.
2. Move money in and out with transfers from your other accounts.
3. Pick one or more Income categories (or Income tags) on the account, for example "Interest", "Taxes" and "Fees".
4. Whenever you check the balance, update it with + > Balance and give the adjustment one of those categories. That adjustment is your gain or loss for the period.

Transactions in the account with an income category or tag count as gains or losses. Any other transaction that isn't a transfer counts as money you put in or took out.

Income paid into other accounts

Dividends and rent usually land in your checking account, not in the investment. Add the payer as an Income entity on the investment account and set that entity on those income transactions. They then count towards the investment's return.

DCA strategies

Transactions created from a DCA entry are linked as a transfer, so those purchases show up on the Investments page without extra work.

Reading the numbers

• Invested is the money you put in and haven't taken out yet.
• Value is units times the latest price, or the current balance for investments tracked by value.
• Total return is the value, plus what you took out and received as income, minus what you put in.
• The percentage next to it is a money-weighted return: money you added recently counts less than money that has been invested for longer. After one year it is shown per year (/yr).

Totals are converted by following each currency's Exchange Currency. For example, to see dollar investments counted in reais, set the dollar currency's Exchange Currency to BRL. Each deposit is converted at the rate of its own date, so the Currency effect shows how much of your return came from exchange rates moving. This needs exchange rates for past dates; without them a warning icon explains what is missing.

Asset classes and targets

Manage asset classes at Sidebar > Management > Investments > Asset classes. Create classes such as Stocks, Fixed income or Real estate, then pick one on each investment account. You can also type a new name in the account's Asset class field to create it there.

Each class can have a target: the share of your investments you want in that class. Targets can't add up to more than 100%. Leave the target empty to keep a class out of the targets.

The three tabs

The Holdings tab lists every investment, grouped by account group.

The Charts tab shows your investments split by asset class and by currency, value against invested over time, and the return of each investment. When your targets add up to 100%, a warning icon marks every class that drifted too far from its target. Too far means more than 5 percentage points, or more than a quarter of the target if that is smaller. A 40% target warns below 35% or above 45%; a 10% target warns below 7.5% or above 12.5%.

The Rebalance tab shows, for each class with a target, how much to buy or sell to reach it. The buys and sells cancel out, so you can rebalance without adding money. Investments without a class or a target are left out, and their total is shown below the table. If your targets don't add up to 100%, the tab asks you to fix them first.

A single investment

Click an investment to see its numbers, recent transactions and charts. The charts have one point per month.

• Value: the value against what you invested.
• Price: for investments priced by units, the price against your average cost, with markers on the months you bought or sold.
• Earnings: for investments tracked by value, the gain or loss of each month and its percentage.
• Income: for investments with income entities, the income received each month.

API

• /api/investment-classes/ lists, creates, edits and deletes your asset classes.
• Accounts return their asset class as investment_class, and you set it with investment_class_id.
• /api/accounts/{id}/performance/ returns an investment's invested amount, value and returns.