Investment: allocation, returns and income

What does Investment answer?

Where Tracking asks “am I on pace?”, Investment asks how your portfolio is doing: how it is spread out, what it has returned and what it pays.

The tab is always there. With no holdings yet, it opens on “Your investment insights start here”, with “Import statement”, “Add a holding” and “Go to Tracking”. You can start by importing a broker’s PDF statement, which adds the account and reads your holdings, or add a holding by hand. Once you have holdings, the header keeps an “Import statement” button.

In a couple plan, a toggle (“Us”, plus each name) changes whose holdings you see. It opens on your own lens. Your own lens shows your holdings plus the joint ones, which carry a “Joint” chip, never half of a joint holding. The lens also decides which accounts the “Brokerage statements” card lists, and the import door reads “Import for {partner’s name}” on your partner’s lens. See Us, You and Partner.

The layout adapts to your screen. Narrower, Allocation and Income stack in their own column next to Holdings. Below roughly 900px, everything drops into a single column.

How do brokerage statements work here?

Under the hero, the “Brokerage statements” card has one row for each brokerage account in your lens. A chip such as “1 of 2 in” counts the accounts with this month’s statement. Each row reads either “September statement needed” or “Up to date · September ✓”, and has an “Update from statement” button. A chip names who brought it in (“Added by you”, or “Added by” your partner). “Import history” lists past imports.

Under the card’s title, “$X added this month · from DBS Multiplier” shows money you moved from your bank to your brokers, matched from your bank statements. If none moved, it reads “No money added from your bank this month”. Each account also shows its cash from the statement, for example “Cash at Tiger: USD 1,240.00 · $1,675.00”. A holding that a statement updated carries a chip like “From Tiger · Sep statement” on its Holdings row.

How are tickers and prices handled on import?

The import uses each trade’s exchange to find the right listing. When it is not sure, the Check step asks you to confirm or pick another, above the holdings check. If the statement’s price and the market close differ a lot, the app shows both and asks: “Confirm” with the ticker (for example “Confirm D05”), “Pick another” or “Keep unpriced”. A holding you keep unpriced is valued from your statements.

The ticker picker has exchange chips to narrow the search (scroll them sideways on a phone), and the chips are All, SGX, US, HKEX and LSE, with “More…” for other exchanges. Every search hit shows its exchange and currency. For the full import steps, see Importing a brokerage statement.

Singapore and Hong Kong stocks imported from a statement now get live prices. Holdings imported before release 2026.10.2 that still have no price are not fixed automatically. Use “Find ticker” on them, described under What happens when the price feed is down?.

How is my portfolio spread out?

The Allocation donut breaks your total value down by tab: asset type, sector, industry, geography or currency (each holding’s own trading currency, not everything converted to SGD). Slices run largest first. An unlabelled holding gets its own group rather than being folded elsewhere.

There is no “by platform” view, but every Holdings row beside the donut names its brokerage, exchange or wallet, so you can see your spread without a chart for it.

What are total P/L and XIRR?

The hero card’s two chips explain themselves on tap.

• Total profit / loss covers every holding you own, plus realised gains from ones you have sold.
• XIRR, your annual rate of return, weighs the timing of every buy, sell and dividend, from holdings with at least one recorded transaction.

XIRR sometimes reads as a dash. A position a few days old annualises to an absurd figure (rise 5% in a week and the annual rate is over 1,000%), so the chip degrades to a dash and explains why on tap. A bad price shows the same dash.

What does my portfolio pay me?

The Income card shows what your portfolio pays: dividends over the last twelve months, plus a projected yearly figure tagged “estimate”, from each holding’s latest yield applied to what you hold now. A since-sold holding’s past dividends still count in the trailing twelve months. The forward projection covers only what you still hold.

What happens when the price feed is down?

Prices update when you tap “Refresh” by the hero, not on their own. When the feed is down, the screen keeps the last prices it knew: the eyebrow reads “last known” instead of “live”, with how old they are underneath.

An unpriced holding counted as zero would drag down your total, profit and loss, every allocation slice and projected income, each looking like a real measurement. So it is shown as a dash and left out of the totals instead. That row says why: “We couldn’t get a price for this holding. It’s left out of your totals until prices return.”

• The connection is stated once, at the top, by the freshness line. A feed that answers for most holdings and just does not know one ticker is not an outage.
• One unpriced holding is stated on its own row, and picked up by the flags below. It never implies the feed is down.
• Find ticker. A holding the app cannot price shows a “Find ticker” button in the Holdings list. This also covers an all-digit code such as HK 03067 and a position you chose “Keep unpriced” for on import. Tap it, pick the right listing in the “Find ticker” picker (“Pick the listing so we can price it.”) and it starts pricing, with a toast such as “DBS now prices as D05.” It is not offered for crypto, and an advisor with view-only or plan-only access does not see it.

Everything that does not depend on the feed keeps working: your transaction history, cost and received dividends are your own records, unaffected by a feed you cannot reach.

What are the flags worth a second look?

Below the hero, Investment shows flags when something crosses a set limit, never more than a chip you can tap open or ignore.

• A currency rate is missing. A foreign-currency holding shows at a flat 1:1 rate until its exchange rate loads, so its value may be off.
• You’ve set aside more than you own. Amounts set aside from a holding add up to more than it is worth. Trim one to fix it.
• Too much in one place. One holding above a quarter of your value, one sector above 40%, or one region above 60% is a large share. Fewer than five holdings overall is spread too thin. Each flag names the exact holding, sector or region and the limit crossed.

None of these block anything. They are a nudge to spread out, fix a set-aside amount, or wait for the feed to update. A flag clears itself once it no longer crosses the limit.

Where is each holding’s transaction history?

Tap any row in Holdings to open that holding’s transaction history: the same dated buys, sells, dividends and splits you reach from Tracking, with a running units column and an “Add transaction” button. Investment reads it to work out your return and cost, and it is where you fix a trade or add an old one.

A holding with no transactions still prices normally elsewhere. Recording them just adds its cost and return figures. The same stock at two brokers is two holdings, one per platform, so a statement only updates the holding at its own broker. For a listed holding you have never logged a buy for, “Convert to opening buy” creates one from the units and cost already entered.

The Holdings list here shows open positions only, with a collapsed “Closed positions” row for anything fully sold. Those stay reachable on purpose: the realised gains in your total P/L come from exactly those trades, and a return figure you cannot check is not one you can trust. See Holdings in Tracking.

What do “what it’s for” and “who it’s for” show?

Two more allocation tabs join asset type, sector, industry, geography and currency: “what it’s for” and “who it’s for”. Both re-slice your portfolio by the tags driving Tracking’s goal-funding figures, shown here as a share of the whole portfolio.

Untagged money shows as its own grey “Not set aside yet” slice, so the donuts never pretend your whole portfolio is spoken for. Delete a goal that money was set aside for and the slice stays, reading as a plain “Purpose” until you retag it. See Goal funding in Tracking for how those tags get set.