Investments

Monize provides comprehensive investment portfolio tracking with automatic price updates, cost basis calculation, return measurement, and performance reporting.

Overview#

Navigate to Investments from the top navigation bar. The Investments page gives you a complete picture of your portfolio: current market values, gains and losses, returns, allocation, value over time, and every investment transaction.

At the top of the page:

• All Investment Accounts -- a multi-select list of your investment accounts. Tick one or more accounts to show only those; every card on the page then names the selection in its title
• Refresh -- fetches the latest prices for your securities (see Price Updates). Hover over it to see when prices were last updated
• + New Transaction -- choose Investment Transaction (a buy, sell, dividend and so on) or Cash Transaction (a deposit, withdrawal or fee in the account's cash)

Tip: You can open the Investments page already filtered to one account by clicking a brokerage account on the Accounts page or a brokerage favourite on the Dashboard.

Investment Account Structure#

Investment accounts in Monize are composed of two linked accounts:

When you create an investment account, both components are created automatically. The cash account is hidden from the main Accounts list but is managed through the Investments page.

How It Works#

• Buying securities decreases the cash balance and adds to holdings
• Selling securities increases the cash balance and reduces holdings
• Dividends increase the cash balance
• Transfers move cash in or out of the investment account

Microsoft Money users: In Microsoft Money, the cash and securities are combined in a single investment account. Monize separates these for cleaner transaction tracking, but the import process handles this mapping automatically.

Portfolio View#

Portfolio Summary#

The Portfolio Summary card shows the Total Portfolio Value (holdings plus cash), then two groups of figures. Hover over any figure for an explanation of how it is worked out.

When a holding has no current price, or an exchange rate is missing, the card says the figures are incomplete, names what is missing, and shows Portfolio Value (partial) instead of a total.

Asset Allocation#

The Asset Allocation donut chart has a grouping toggle:

Each view shows the top 10 slices plus an Other band that groups the remaining smaller holdings. Allocation percentages always reconcile against the drawn slices, so the legend and the chart agree exactly.

• By key charts your portfolio's value-weighted split across the values of a chosen tag key (for example, splitting by a country or strategy key).
• By country performs a geographic look-through: rather than grouping by an ETF's listing exchange, it looks through your funds to their underlying holdings and reports true country-level exposure -- the top 10 countries individually, with the rest collapsed into an Other Countries band.
• By asset class splits funds into their stock, bond and cash components, with the rest collapsed into an Other Asset Classes band. A security's country and asset-class split come from its price provider where available, or from the Geographical Allocation and Asset Allocation sections of the security's form.

Portfolio Value Over Time#

The Portfolio Value Over Time chart plots the value of your investments with a range selector: 1D, 1W, MTD, 1M, 3M, YTD, 1Y, 2Y, 5Y, and All Time. The 1D and 1W ranges use intraday prices where the price provider supplies them. Hover over the chart to read the value on any day.

Under the range buttons, the chart reports for the selected window:

• Highest Value and Lowest Value
• Value Change -- the value at the end of the window less the value at the start
• Investment Result and Return -- what your investments earned over the window, leaving out deposits, withdrawals and uninvested cash, so buying and selling do not move it

A View report link opens the full Portfolio Value Over Time report for a richer breakdown.

Portfolio Performance#

Beside the chart, the Portfolio performance card lists how your investments did over standard periods -- 1D, 1W, 1M, 3M, YTD, 1Y, 2Y, 5Y, 10Y, and All time -- each with the amount gained or lost and a time-weighted return. Deposits, withdrawals and uninvested cash are left out, so the figures measure your investments rather than your saving. Periods longer than your history are not shown.

Holdings by Account#

The Holdings by Account card lists your positions grouped by account. Each account's row shows its total market value and gain; click it to expand the positions.

Each holding displays:

Each account also has a Cash row with its Available Balance (click it to see the cash account's transactions) and an Account Total. Gains are shown in green and losses in red. Click a column heading to sort by it, and use Columns to choose which columns to show. Holdings in a foreign currency show their value in that currency and, converted, in your home currency.

Transfers Recorded as Two Rows#

If Monize finds a share transfer that was entered twice -- once as a Transfer Out in one account and once as a Transfer In in another -- a Transfers recorded as two separate rows card lists each pair with a Link button. Until the two rows are linked, the receiving account cannot inherit the cost basis, so its gain reads as unknown.

Recent Transactions#

The Recent Transactions section at the bottom of the page is the investment register. Two toggles control it:

• Brokerage / Cash -- the security transactions, or the transactions in the investment accounts' cash
• Table / Calendar -- a list, or a month calendar (see below)

In the table, the Filter button filters by Symbol, Action, and date range (From / To); the Cash register filters by Payees, Categories, and dates. Each row shows its date, account, action, symbol, shares, price, total, and reconciliation status, with Edit and Delete buttons. + New Brokerage Transaction (or + New Cash Transaction) adds a transaction.

Investments Calendar#

Switch to Calendar to see the month as a calendar. The Layers buttons choose what each day shows:

• Transactions -- the investment transactions on that day
• Values -- the portfolio's value at the end of the day
• Daily change -- how much the portfolio moved that day, as a percentage

Use the arrows and Today to move between months, or click the month to jump to another one. Notes you have added to days (from any calendar in Monize) appear as banners across their days. Click a day to add a note to it, or to start a new investment transaction on that date.

Click a day's percentage to open What moved on that date: the Market movement for the day, then the securities that rose (Gains) and fell (Losses), each with its shares and its price before and after. Cash, distributions and trades are reported separately, so a deposit is not mistaken for a gain.

For the biggest daily moves across your holdings at a glance, add the Top Movers widget to your dashboard.

Investment Transaction Types#

Creating Investment Transactions#

1. Navigate to Investments
2. Click + New Transaction and choose Investment Transaction (or use + New Brokerage Transaction in the register)
3. Pick the Brokerage Account and the Transaction Type
4. Fill in the details and click Create Transaction

Transaction Fields#

Some types ask for different fields: a dividend, interest or distribution asks for an Amount; a stock split asks for New shares and Old shares; a transfer asks for the Cost per Share; a bond redemption asks for Accrued Interest. When the security trades in a different currency from the account, the form adds an Exchange rate and a Converted Total.

Use the arrow beside Create Transaction to choose Create Transaction & New, which saves and clears the form for the next entry. To change a transaction, click Edit on its row (the form then has Update Transaction).

Securities Management#

Securities represent the stocks, ETFs, mutual funds, bonds, and other instruments you hold.

Accessing Securities#

Navigate to Tools > Securities to manage your list of securities.

The page shows the Total Securities, Types, Exchanges, and Currencies you hold, a search box, and an All / Active / Inactive filter. Each row shows the security's Symbol, Name, Type, Shares held and their Value, Exchange, Currency, price Provider, the Source of the latest price, and its Status. Click the star to make a security a favourite, or click a row to open the security's detail page.

Security Fields#

Click + New Security, or Edit on a security's row, to open the security form. Type a symbol or name and click Lookup to fill in the details from the price provider.

Bonds also have a Bond kind and Country, which link the security to a supported government bond programme so Monize can work out its value.

Prices from a table on a web page#

For a security no provider covers (a gold coin, a fund sold only by its issuer), choose Web page table as the Quote Provider and enter the address of a page that lists its daily prices in a table, such as a "historical prices" page.

• The table is found by its header row, which needs a date column and a closing-price column. The column names are recognised in every language Monize is translated into: for example Date / Close, Datum / Schluss, Fecha / Cierre, Date / Clôture, Дата / Закрытие, or 日付 / 終値. A price word followed by which price it is also counts, such as Cours de clôture or Prezzo di chiusura. Open, High, Low and Volume columns are read when present. An adjusted close (Adj Close) is not taken as the close.
• Date and number formats are recognised from the cells, so 02.11.26 and 3.609,23 € read as well as November 02, 2026 and 95.69. When a page can be read in more than one way and nothing on it says which, it is refused rather than guessed: a price such as 102,345 or 12.345 could have three decimals or none, and 01/02/2026 could be 1 February or 2 January. The other prices on the page, a dotted date (02.11.2026) or the language of the column headers settle the separator (Spanish headers do not, because Spain and Mexico write it differently, and neither does Date alone, which is both English and French), and short dates are placed by the order of the rows.
• The newest row is the current price and every row is added to the price history; the page is read again at every update. A page that shows only recent days builds up history over time.
• When the cells name a currency (€, £, or an ISO code such as CHF) that differs from the security's, the prices are refused rather than stored in the wrong currency.
• The security is never priced from Yahoo or MSN as a fallback, and the address must be a public website: local and private network addresses are refused.

Adding Securities#

Securities can be added:

• Manually from the Securities page
• From the investment transaction form (+ Add new security)
• During import (mapped or auto-created from your Microsoft Money or QIF data)

Deactivating and Deleting Securities#

A security you no longer hold can be Deactivated from its row: it disappears from the Active list but keeps its history. A security that is not used by any holding or investment transaction can be Deleted, which also deletes its price history. A security that is still referenced cannot be deleted until those transactions are removed.

Exchange Priority#

When looking up securities, Monize searches its price providers and ranks results by exchange. If you primarily invest on non-US exchanges, you can set Preferred Exchanges in Settings to prioritize results from your exchanges. See Settings > Preferred Exchanges for details.

Security Detail Page#

Click a security on the Securities page, or its symbol in the holdings list, to open its detail page. The header shows the latest price with the day's change ("today", or "last move" when the market has not traded today), whether the market is open, and the buttons Favourites, Edit, and Refresh. The arrow beside the name switches to another security.

Below the header:

• Position cards -- Market value, Cost basis, Unrealized P/L, Units with the Avg. cost / unit, and the accounts the security is Held in
• Price chart -- switch between Price, Investment value (what your position was worth), and Return, over 1M to All Time
• Key information -- symbol, type, exchange, currency, provider, and last price
• Breakdown -- the fund's weighting by Sector, Country, and Asset class

The tabs below hold the rest:

Price Updates#

Security prices are updated automatically and can also be refreshed manually.

Automatic Updates#

• Schedule: Weekdays (Monday-Friday) at 5:00 PM New York time
• Source: Each security's quote provider -- Yahoo Finance by default, or MSN, the London Stock Exchange, Deutsche Börse, a table on a web page, or the bond engine
• Data: Daily prices (close, plus open, high, low and volume where the provider supplies them)

Manual Refresh#

Click Refresh on the Investments page, the Securities page, a security's detail page, or the Dashboard to fetch the latest prices immediately.

Manual Price Management#

You can add, edit, and delete individual price entries for any security. This is useful for:

• Securities no provider can price (e.g., private funds, GICs)
• Correcting incorrect price data
• Adding NAV prices for mutual funds

To manage prices:

1. Open the security's detail page and its Price history tab
2. Click + Add Price and enter the Date and Close Price (and optionally the open, high, low, and volume)
3. Use Edit or Delete on any row to correct or remove a price

Each price shows its Source -- the provider, a manual entry, or a transaction. Manual prices take priority over provider prices for the same date. If you delete a manual price and investment transactions exist on that date, Monize backfills the price from the transaction's buy or sell price.

The Price history tab also has Force Update Prices, which re-fetches the whole period you have held the security, and Add Another Year of History, which fetches one more year of older prices.

Price Backfill from Transactions#

Monize can populate security prices from your investment transaction history. When you buy or sell a security at a specific price, that price can be used to fill gaps in the price history. This is especially useful for securities with automatic price updates disabled, or securities no provider can price.

Transaction-based prices are created automatically during import. For existing data, an administrator can trigger a backfill from the browser console (see Issues below).

Historical Prices#

When you add a new security, Monize fetches its last year of prices so that historical valuations and charts are accurate. Use Add Another Year of History on the security's Price history tab to go further back.

Holdings and Cost Basis#

Monize tracks your cost basis using the average cost method.

How Average Cost Works#

1. When you buy shares, the total cost (including commission) is added to your cost basis
2. The average cost per share is: total cost basis / total shares held
3. When you sell shares, the cost basis for the sold shares is calculated using the average cost
4. Reinvested dividends add to both quantity and cost basis
5. A return of capital lowers the cost basis

Example#

Zero Holdings#

When all shares of a security are sold, the holding is removed from your portfolio; its detail page shows the position as closed with its realized P/L. If you buy the same security again, a new cost basis starts from that purchase.

Investment Reports#

Monize includes 13 dedicated investment reports. Navigate to Reports and choose the Investment category to see them.

You can also build your own holdings reports with the Investment Report builder. For full details, see Reports.

Importing Investment Data#

Importing investment data from Microsoft Money requires special handling. See the Importing from Microsoft Money guide for complete details.

Key Points#

• The recommended method is to import the .mny file directly. Investment accounts, securities, buys, sells, dividends, reinvestments, share transfers, stock splits and price history all come across in one pass, and share counts are reconciled against Money's own open tax lots afterwards
• If you use the older QIF method instead, Microsoft Money exports investment accounts as two separate QIF files: "Investment" type for securities transactions and "Regular" type for cash transactions
• Import the investment brokerage file first, then the cash file
• With QIF, securities must be mapped to existing records or created during import
• Monize automatically creates the linked cash transactions when importing investment QIF files

For the recommended QIF import order, see Recommended Import Order.

Issues#

Backfilling historical security price info does not complete#

You may encounter an issue where backfilling historical security price info doesn't work, possibly because of price provider rate limits. For a single security, open its Price history tab and click Force Update Prices. To re-load every security at once, press F12 to open the browser developer tools while logged in as a Monize administrator. Go to the console and run:

fetch('/api/v1/securities/prices/backfill', {
  method: 'POST',
  headers: { 'x-csrf-token': decodeURIComponent(document.cookie.match(/csrf_token=([^;]+)/)?.[1]) }
}).then(r => r.json()).then(console.log)

Backfilling historical price info from transaction info#

Similarly, since version 1.5.8 Monize can use security transaction history to populate the security prices. This doesn't run on existing data automatically, but an administrator can trigger it from the browser console:

fetch('/api/v1/securities/prices/backfill-transactions', {
  method: 'POST',
  headers: { 'x-csrf-token': decodeURIComponent(document.cookie.match(/csrf_token=([^;]+)/)?.[1]) }
}).then(r => r.json()).then(console.log)