An investment account’s page brings together its holdings, dividend income and performance metrics. For accounts with ledger capability, these figures are built from the structured buy, sell and dividend details recorded against the linked investment cash ledger. This allows Worthic to reconcile the investment view with the underlying cash movements while presenting each holding as a current portfolio position.
How holdings are presented
The Holdings section lists each instrument by ticker or identifier and name. For a standard investment holding, Worthic shows the units held, average cost per unit, remaining cost, current price per unit, current value, profit or loss, and annualised return. Values can be viewed in the investment account currency or, where available, the workspace reporting currency.
Current value is the number of units held multiplied by the latest recorded unit price or valuation. Profit or loss is the current value less the remaining cost basis. It therefore represents the unrealised gain or loss on the units still held; it does not by itself include dividends or proceeds already received from units sold.
Worthic calculates the remaining cost basis using the weighted-average method. Each purchase adds the gross trade value and brokerage to the holding’s cost. When units are sold, Worthic removes those units at the holding’s weighted-average cost per unit. The cost and average cost displayed in the table therefore relate only to the current units. If no detailed trade history exists, Worthic uses the holding’s recorded average cost and current units as the fallback.
Holdings can be arranged into custom groups. Each group shows combined cost, value, profit or loss and annualised ROI, and the grand-total row does the same across the full account. Selecting a holding opens its buy and sell history, including dates, units, price per unit, brokerage, taxes and total cash cost or proceeds. Pending transactions are identified so they can be reviewed before being confirmed.
How dividends are presented
For investment accounts with ledger capability, the Dividends – Income by holding table groups recorded dividends by instrument. The dividend total is the sum of the net dividend payments attributed to that holding in the selected display currency. Hovering over or selecting the total reveals the individual payment dates and amounts, and each payment can be opened from the drill-down.
Worthic uses the recorded net dividend—gross dividend less withholding or dividend tax—for portfolio returns and dividend totals. The gross amount and tax remain available in the transaction breakdown, but they are not counted as separate cash movements.
The table shows two income measures:
- Yield since inception annualises all net dividends recorded for the holding from its first dividend payment to the current valuation date, using the holding’s current remaining cost basis as the denominator.
- Yield past 12 months totals net dividends paid during the 12 months ending on the valuation date and divides that amount by the holding’s current remaining cost basis.
These are income-yield measures, not total-return measures: changes in market value are excluded. A dash is shown where Worthic does not have a usable cost basis or enough dividend data.
How return metrics are calculated
Annualised ROI uses XIRR, a money-weighted return calculation that accounts for both the amount and timing of each cash flow. Purchases are treated as negative cash flows at total cost, including brokerage. Sales are positive cash flows at net proceeds after brokerage. Net dividends are positive cash flows on their payment dates, and the current market value of the remaining holding or portfolio is added as the final positive value on the valuation date.
Because XIRR is time-aware and includes dividends, it is more informative than simply comparing today’s value with original cost. A holding’s ROI applies this calculation to that instrument. Group and account ROI combine the relevant holdings into one XIRR calculation rather than averaging their individual percentages. If Worthic does not have the necessary positive and negative cash flows to solve a meaningful XIRR, the return is left blank or shown as No data.
Since inception is the account’s cumulative total return rather than an annualised rate. Worthic calculates it as:
(current holdings value + net sale proceeds + net dividends − total purchase cost) ÷ total purchase cost
Purchase cost includes brokerage, while sale proceeds are reduced by brokerage. This metric answers how much the account has gained or lost overall relative to the capital invested, regardless of how long the investment has been held.
The Total account value reflects the account’s latest recorded value, while the 1-day change compares the two latest portfolio-value snapshots. The Balance history chart plots the stored valuation snapshots over time. These valuation movements should not be confused with ROI: deposits, withdrawals and trades can change the account balance, whereas XIRR adjusts for the timing and size of investment cash flows.