The Investment Overview is the landing page for Worthic Portfolio Investments. It consolidates detailed-tracking and detailed-value investment accounts so you can assess the portfolio before opening an individual account. Values from different currencies are converted into the workspace reporting currency using the available investment FX rates.
Portfolio summary
- Total invested capital is the sum of each investment account’s current total value, converted into the reporting currency. An account’s total value uses its current or tracked balance when available; otherwise Worthic falls back to the value of its holdings plus same-currency linked cash.
- 1-day change adds the latest change from every account after currency conversion. For each account, the change is the difference between its two latest portfolio rollups. The overview percentage is:
1-day change ÷ (current total value − 1-day change) × 100.
If there are not at least two rollups, the change is shown as zero.
- Combined annualised ROI measures the annualised return of the portfolio as a whole using a consolidated XIRR calculation. Worthic combines dated purchases, sales, fees and dividends from every qualifying investment account into one cash-flow series and converts the amounts into the workspace reporting currency. Purchases and fees are negative cash flows; sales net of fees and dividends are positive cash flows; and the total current portfolio value is added as the final positive cash flow on the latest valuation date. Worthic then solves one annualised return across the complete series. This means larger accounts have the appropriate influence on the result, while the timing of investments, disposals and income is also taken into account.
- Combined income yield is a value-weighted portfolio measure. For each account, Worthic totals net dividends paid during the 12 months ending on its valuation date and divides this by current holdings value. Each account yield is then weighted by that account’s share of total portfolio value.
- Risk stance converts the portfolio’s value-weighted risk mix into a label ranging from Very defensive to Very aggressive. Low-, medium- and high-volatility values receive scores of 1, 2 and 3 respectively; the weighted average determines the displayed stance.
Market and FX tape
The scrolling tape shows relevant exchange rates and the largest holdings. FX pairs are included when an account or linked cash ledger uses a currency different from the reporting currency. Holding entries show the latest unit price, daily price change and percentage movement. Up to eight of the available items are displayed.
Accounts at a glance
Each card identifies the institution and account, then shows the account’s value in its own currency. Its 1-day amount and percentage change come from the latest two saved portfolio rollups. Selecting a card opens the detailed account page.
Portfolio composition
- Total asset allocation divides current holdings among Equity, Bonds, Cash, Precious metals, Crypto and Alternatives. If an instrument has a mixed allocation, its value is distributed according to the stored percentages; otherwise its primary asset class receives 100%. Linked investment cash balances are added to Cash. Percentages are each category’s converted value divided by the chart total.
- For an all-precious-metals portfolio, the allocation chart instead separates Gold, Silver, Platinum, Palladium and collector premium using each holding’s fine metal weight, spot value and recorded premium.
- Risk profile groups every holding and linked cash balance into high-, medium- or low-volatility buckets. The chart percentages are based on current value after conversion to the reporting currency. Cash is low volatility; the holding’s assigned risk bucket determines the rest.
Market context, insights and news
The Longer-horizon market pulse shows 30-day movement and 12-month return for the configured market benchmarks, together with the latest price date. Missing or stale market data is labelled clearly rather than estimated.
AI Insights displays generated portfolio-review observations when available, such as concentration, geographic exposure or diversification findings. These are interpretive insights, not inputs into portfolio valuation or return calculations.
Top market movers presents selected recent market headlines and sources. If the feed is unavailable, Worthic shows an unavailable state; news content does not affect any investment calculation.
Data quality
The overview is only as current as the underlying holdings, prices, FX rates, linked cash balances, dividends, trade details and portfolio rollups. Missing FX rates currently leave the numeric amount unchanged rather than inventing a conversion, so stale or incomplete source data should be corrected at account level.