What these accounts represent
Asset and investment accounts represent value you own rather than day-to-day spending or money you owe.
In Worthic, they sit under the Asset / investment account type. They can represent brokerage portfolios, retirement accounts, managed portfolios, fixed deposits, money market holdings, precious metals, collectibles, REITs, real estate, crypto, vehicles, household goods, and other assets.
The account subtype determines how much detail Worthic tracks and how the account behaves in net worth, dashboards, imports, and the Investments area.
Choose an account subtype
| Subtype | Best for | Behavior |
|---|---|---|
| Investment account with cash account | Brokerage or platform accounts where both holdings and cash movements matter | Links cash accounts, records investment transactions, and tracks holdings and performance. |
| Asset/investment account without a dedicated cash account | Assets or portfolios where holdings and value matter but no separate cash ledger is needed | Tracks individual holdings, valuations, and investment performance without behaving like an ordinary bank account. |
| Asset/investment without tracking | Assets where a periodic current value is sufficient | Maintains a balance or value without detailed holdings or trade-level tracking. |
Use a detailed investment account with a cash account when deposits, withdrawals, purchases, sales, dividends, fees, and cash balances all matter.
Use detailed tracking without a dedicated cash account when you want holding-level information but do not need a separate cash ledger.
Use balance-only tracking when periodic valuations provide enough detail.
On mobile, open More → Create account → Set up an account. Choose the asset/investment account group and select Investment tracking under Account model. Enter the required account and reporting-line details and save. Open More → Portfolios → Portfolios and select the account. If additional setup is required, open Manage accounts and use Complete account setup on web when offered.
Holdings, prices, and valuations
Detailed investment accounts can store information such as:
- Ticker and instrument name.
- Asset class and units held.
- Cost basis and average cost per unit.
- Latest price and market value.
- Valuation date and daily price movement.
Investment transactions can also carry trade or dividend details, including the buy or sell action, units, unit price, brokerage, taxes, proceeds, dividend amount, and payment date.
Where a holding can be matched to a supported market instrument, Worthic can retrieve current and historical prices and update the holding’s unit price and market value.
Custom or non-market assets can be maintained manually by value. Their prices are not automatically updated unless a supported pricing source is available.
On mobile, open More, then Portfolios. Tap Portfolios on the holdings overview and choose the investment account. Review the available return metrics and holdings. Use the arrow on Balance history for individual entries.
Adding and importing investment transactions
For an eligible investment account with linked cash accounts, select the investment account in Accounts and choose Add transactions. Transactions can also be added in an account's Investments page.
The cash movement is recorded in the linked cash account, while the investment account provides the context for investment categories and supporting trade or dividend details.
If the investment account has cash accounts in several currencies, check that the transaction uses the appropriate cash account and currency.
Review both parts of the record:
- The cash movement, including its date, amount, and description.
- The investment details, such as the holding, units, price, fees, or dividend information.
Balance-only accounts use value adjustments rather than ordinary transaction entry.
On mobile, open an investment account with a transaction ledger in Money, then add a transaction or edit an existing one. Choose the applicable reporting line and the Asset purchases or Asset sales category as appropriate. Choose the instrument and complete the trade details, including units, price and applicable fees or tax. Check the amounts and save.
Supporting documents and incomplete details
Attach relevant trade confirmations, dividend notices, or statements when adding or reviewing investment transactions.
Where supported and selected, document enrichment can suggest investment details. Review those suggestions before accepting them, particularly the instrument, units, prices, fees, and payment dates.
A supporting attachment does not create another cash transaction. It provides evidence for the transaction being edited.
You can reopen a pending trade or dividend transaction to complete missing details. Check that the transaction remains associated with the correct investment account and linked cash account.
On mobile, open the transaction and tap Edit transaction. Under attachments choose Scan document, Upload file, or Library. For Library, browse or search and select the document. Check the filename and save the transaction.
Automatic connections
Supported brokerage, retirement, and investment connections can synchronize available holdings, quantities, values, and investment activity.
Connected holdings appear in Worthic’s Investments area. Supported cash movements flow through the linked cash ledger where applicable.
Institution and product availability varies, and some providers supply more detail than others. Review imported information rather than assuming every field will be populated.
On mobile, open More → Connections → Connect a bank on web. Finish institution authentication and account selection in the secure web flow. Return to Connections and refresh to see the linked accounts.
Choosing the right level of detail
Start with the simplest model that matches the records you have and the information you want to review.
If a provider is unsupported, a custom integration may be possible where it supplies statements, exports, emails, API access, or another repeatable data source that Worthic can map to the account.