Investments

Investments shows everything you own in brokerage, retirement and crypto accounts — what it’s worth, how it’s performing, the income it pays, and every trade behind it. It uses the same holdings as the rest of the app, so it always agrees with your net worth.

There are three ways to get your holdings in:

Type them in with Add on the Holdings tab (below).
Tell Lucius: “I bought 10 VTI at $245 in my Fidelity account yesterday, paid from my checking.”
Import a broker statement or connect a brokerage — see Importing statements and Bank & brokerage connections.

Add a holding (record a buy)

Open Investments → Holdings and click Add (or Add holding when you have none yet).
Fill in:
- Symbol — the ticker, e.g. AAPL.
- Account — the brokerage account that holds it. You can type a new account name.
- Acquired date and Quantity.
- Unit cost or Total spent, in the currency you paid, plus any Fees.
- Kind — Buy, Dividend reinvest, Transfer in, Grant or Opening balance (use Opening balance for shares you’ve held since before you started tracking).
- Note — optional.
Deduct from — pick the cash account the money came from to book the payment there too, or leave it on Don’t deduct from an account (your cash balance won’t change).
Click Add holding.

Each buy becomes a lot with its own date and cost, which is how gains are worked out when you sell. Adding more of something you already own adds another lot.

Cost in a different currency. Enter the cost in the currency you actually paid, even if the stock is quoted in another (a USD stock bought with SGD keeps its SGD cost). Historical cost is never converted at today’s rate. If you don’t know the cost, leave it out rather than guessing.

Record a sale

On Holdings, open the ⋯ menu on the holding’s row and click Record sell.
Enter the Quantity, Proceeds / unit, Fees and Date.
Lot selection — leave it on FIFO (oldest lots first) or switch to Specific lots and enter how many to sell from each lot.
Deposit proceeds to — pick the cash account the money landed in. If you leave it on Don’t add to an account, the sale is recorded but no cash is added, so your net worth drops by the sale value. The cash row it adds says what you sold in its description — Sold 4 MSFT @ 550.00 USD. A buy with Deduct from set does the same: Bought 10 VOO @ 500.00 USD.
Click Record sale. The realised gain or loss is shown straight away.

Moving shares between your own accounts, gifting them, or writing them off? In the same form, tick Not a sale — transferring out, gifting, or writing off. For a move to another of your accounts, choose it under Moved to, then add the shares there with Add (Kind Transfer in, same cost). Activity shows a move as one Transfer row, not a sale.

Record a dividend or interest payment

On Holdings, open the row’s ⋯ menu and click Record dividend.
Choose the Type (Dividend, Interest or Distribution), then enter the Gross amount, any Tax withheld, and Paid on.
Pick the Cash account it was paid into — or tick Reinvest (DRP) and enter the Units reinvested to add a new lot instead of cash.
Click Record.

The summary at the top

Figure	What it is
Market value	What your holdings are worth right now, in your base currency. It is not the money you put in: your cost is what Unrealized P&L is measured against.
Today	How much your holdings moved today, as an amount and as a percentage. It uses the latest price, including a pre-market or after-hours one while that session is trading.
YTD vs benchmark	Your return since 1 January beside your benchmark’s.
Unrealized P&L	The gain or loss on what you still hold, against what you paid.

The tabs

Tab	What it shows
Holdings	One row per holding: value, weight, profit/loss, price and today’s move. Filter by asset class or account, group by class, account or currency, and click a row to open the asset’s page (chart, news, and Position with every lot).
Watchlists	The tickers on your Intel watchlists, as cards or a table.
Analysis	Allocation (it becomes Allocation vs target, with target markers and drift, once you set a mix with Set targets; until then it shows no target), Sector & geography, Concentration & risk (set your Single-name guideline under Risk settings; a diversified fund such as an all-world index ETF is not one company, so it is never flagged; the 20% guideline is a default, and the Dashboard’s note states the share instead of telling you to trim) and Rebalancing, which proposes trades toward your target. On a wide screen this sits beside Holdings instead of being a separate tab.
Performance	TWR (time-weighted — your investment choices alone), MWR (money-weighted — includes when you added or withdrew money) and Period gain, with a chart you can compare against a benchmark.
Income	Recent dividends and interest, where your income comes from, whether it’s growing, and Upcoming payments.
Activity	Every buy, sale, dividend and transfer, filterable by type and date range, with search.
Options	Option contracts you’ve written or bought (see below).
Equity Compensation	RSU/ESOW/LTIP grants and vests — see Equity compensation.

The benchmark you pick on Performance becomes your benchmark everywhere, including Intel’s briefs.

Options

Open Investments → Options and click Record option.
Pick a Strategy — Covered call, Cash-secured put, Long call, Long put, Protective put, or Custom (then choose Type and Side; short means you wrote/sold it).
Enter the Underlying, Account, Strike, Expiry, Contracts, Multiplier (shares per contract), Premium / share, Currency and Open date.
Book premium cash leg to — pick an account to record the premium received or paid as a transaction, or leave it on Don’t book a cash leg.
Click Record option.

To close one, click Close on its row, enter the Close date and buyback or sale price, and optionally a Book cash leg to account. Delete removes an entry recorded by mistake.

The app records the trade and takes no view on how it’s taxed.

What Lucius can do here

Record a buy, sale, dividend, interest payment or share transfer from a plain description.
Correct a recorded purchase — its date, quantity, unit cost, fees or kind — for example “I actually bought that VTI in March 2023” — even after you’ve sold some or all of it. Before you approve, the card shows how each sale’s gain changes. Shares from a vest are corrected through the vest.
Open, close, update or cancel an option, including its premium.
Explain your allocation, suggest a rebalance, and answer concentration and risk questions.
Work out realised gains, fees paid, and returns over any period, with or without a benchmark.
List upcoming dividends and forecast your income.

Links to Intel

A small number beside a ticker means Intel has live stories about it (highlighted when one is unread). Tap it to open Intel at the newest story.
Concentration and today’s move are calculated once and shared, so Investments’ risk card and Intel’s risk stories always agree — including for a stock you hold at two brokers.

Things that trip people up

A sale without “Deposit proceeds to” lowers your net worth — the shares leave, but no cash arrives until you record it.
Moving shares onto a holding you already have is a transfer, not a move. Moving a holding refiles it, with all its lots, under another account; if that account already holds the same stock, the move is refused. Record a transfer instead — a Not a sale disposal here, plus a Transfer in lot on the existing holding at the same cost. Tell Lucius the shares moved and he does both.
“Last 12 months” income only counts payments already made. A declared dividend you haven’t received yet isn’t included.
To receive a dividend you must own the shares before the ex-dividend date.
Unvested equity never appears here — see Equity compensation.
Bought shares already managed by lots or a grant? Correct the lot (from the asset’s Position tab) or the grant, not the holding’s total.