Investments is the personal space's portfolio: each investment with how much went in, what it is worth today and what happened to it along the way. It is where you answer "how much do I have invested and how much did it earn", kept apart from your day-to-day money.
Marina has a Banco Inter CDB into which she put R$ 10,000 in March, maturing in two years, and she wants to track its income every month.
Before you start: types and categories
Every investment needs an Investment Type, such as CDB, Treasury bonds or Stocks, and a Category, such as Fixed Income or Equities. Both live in Records › Categories, in the Investment Types and Investments tabs. If the type you need does not exist, the form itself lets you create a new type.
Add an investment
In Planning › Investments, click New Investment:
- Investment Name, Investment Type and Category (required).
- Initial Amount (required) — how much you invested.
- Current Amount — what it is worth today. Left blank, the initial amount is used.
- Start Date (required) — cannot be in the future.
- Due Date (if applicable) and Redemption Date (if applicable) — redemption cannot be before the due date.
- Institution (required), Risk Level (Low, Medium or High) and Liquidity (High, Medium or Low).
- Notes.
Marina adds the CDB with an Initial Amount of R$ 10,000, a March start date, maturity in two years, Low risk and Low liquidity.
Record transactions
Open the investment and use New Transaction. The Transaction Type decides the effect on the current amount:
- Deposit (Contribution) — more money invested. Adds to the current amount.
- Withdrawal (Redemption) — money taken out. Subtracts.
- Income — what the investment earned in the period. Adds.
- Adjustment — corrects the position to match the broker's statement. A positive amount raises it and a negative one lowers it.
Also enter the Amount, the Transaction Date, which cannot be in the future or before the investment's start, and the Notes. Editing or deleting a transaction recalculates the current amount. Deleting the investment removes its transactions too.
At the end of April, the bank statement shows the CDB earned R$ 92. Marina records Income of R$ 92, and the current amount goes to R$ 10,092.
Note: investments do not change account balances
Investment transactions only move the investment's value. They do not take money out of or put money into any bank account.
When you invest R$ 10,000 from your checking account, record that outflow on the accounts side as well. One way is a transfer from checking to an Investment account in Bank Accounts. Do the same when you redeem, in the opposite direction. Without it, the Finances balance ends up higher than the bank's.
Read the portfolio
The portfolio summary shows Total Investment, which is the sum of the initial amounts, Current Assets, Result and the Investment Count. The Distribution by Category and Investment Performance charts show where the money is and how each investment did.
For each investment, Result is the current amount minus the initial one, and Profitability is that result as a percentage of the initial amount. The initial amount does not change with deposits. So, after a contribution, the result includes the new money as well as the income.
If you want to measure income alone, record a significant contribution as a new investment, or read the transaction history, which separates deposits from income.
The filters search by name and filter by type, risk, institution and period. The period can be based on the investment's start date or on the transaction dates.
Where this shows up in the rest of the system
- Categories — investment types and categories come from there, and a category in use cannot be deleted.
- Home dashboard — the investments card shows the portfolio's assets.
- Wisebot — answers questions like "how much did my portfolio earn?".
Where to go next
- Categories — create your portfolio's types and categories.
- Accounts and transfers (personal) — record the money that leaves the account to be invested.
- Financial goals — tie what you invest to a goal with a date.
In short: add each investment with initial amount, type, risk and liquidity; record deposits, withdrawals and income as the broker's statement shows; and remember these transactions do not touch your bank accounts. Money leaving the account to be invested is recorded separately.