Investments & Investment Accounts
This guide explains how investment tracking works in FinyxFin, including investment accounts, funding, cash balances, investments, fees, payments, splits, price updates, imports, exports, and beginner-friendly investment workflows.
The Investments module in FinyxFin continues to evolve. Recent updates significantly improved calculation accuracy, price handling, history visibility, beginner-friendly labels, and context-aware UI across different investment types.
As with any manual investment tracking workflow, review imported data, price updates, and exports carefully before relying on them for tax, accounting, or legal decisions.
✨ Recent Investment Module Improvements
FinyxFin's investment module was significantly improved to make it more accurate, more flexible for manual investors, and more context-aware across different asset types, while keeping existing investment records intact.
True Transaction Costs
Buys and sells now support trading fee, tax, and extra fees for more realistic total invested amounts and proceeds.
Stock Splits
Track forward splits such as 2:1 and 4:1 with quantity adjustment, basis preservation, and visible history.
Dividends & DRIP
Record both cash payments and reinvested payments with clearer history and investment impact.
Manual Price Updates
Use market price, NAV per unit, percentage growth, or manual total value based on how the investment behaves.
External Price Reference
Optional Yahoo Finance and Google Finance links help you verify prices manually without auto-import.
Context-Aware UI
Stocks, retirement assets, deposits, and manual-value assets now show more relevant actions and terminology.
FinyxFin is a personal finance organization tool designed to help you track and understand your finances. Calculations, imported data, summaries, projections, and classifications should be reviewed before relying on them for financial, tax, accounting, or legal purposes.
📈 Overview
FinyxFin's Investments module is investment-account centric. You first create one or more investment accounts, then track investments inside those accounts. Each investment account keeps track of both cash and investments, and both roll up into your overall investment totals.
Investment Accounts
Create separate accounts for different brokers, platforms, or investment goals
Cash + Investments
Track available cash and invested value inside the same investment account
Trading, Dividends & Splits
Record buys, sells, dividends, stock splits, and related history directly inside the investment flow
Add Existing Investments
Set a starting state when bringing investments you already owned into FinyxFin
Global Classification
Use buckets and subtypes for a more global investment model
Manual & Flexible
No broker logins or live feeds — you can manually maintain prices, growth rates, or total values
FinyxFin does not connect to brokerage firms, banks, or market feeds. All investment data is entered manually or imported by you. This keeps your investment data private and under your control.
🖥️ Main Investment Screens
Investments Screen
The main Investments screen gives you an overview across all investment accounts.
- Total investment value summary across all investment accounts
- Investment account list cards
- Global actions such as Add Investment Account, Import, Export, Bulk Price Update, and Archived Accounts
- Quick account actions from swipes and context menus
Investment Account Detail Screen
Open any investment account to view the detailed account-level experience.
- Account summary with cash, investments, gain / loss, and investment count
- Top summary actions including History and Fund
- Quick actions that adapt to the investments in the account, including generic actions such as History, Fund, Import, Export, and profile-aware actions inside detail screens
- Investments list with grouping, sorting, searching, and investment-level actions
🏦 Creating an Investment Account
An investment account is the foundation of the Investments module. It stores both your available cash and your investments.
Investment accounts are created from the Investments module, not from the Accounts screen. Once created, they also appear in your Accounts list automatically.
Open Investments
Go to the Investments screen and choose Add Investment Account.
Name the Account
Use a clear name such as your broker name, account type, or goal label.
Set Opening Cash
Enter the account's current cash balance if you want to begin with a starting cash balance.
Save
The investment account is created and is ready to be funded or populated with investments.
💰 Funding an Investment Account
Funding adds money to the investment account before you buy investments. This is usually how you move cash from a checking, savings, or other tracked account into your investment account cash balance.
Where You Can Fund From
- Investment account detail summary row using the Fund button near History
- Investments account list swipe action using Fund
- Investments account context menu using Fund Account
In most cases, funding an investment account should be recorded as a Transfer from another account you already track, because that keeps balances and net worth aligned across the app.
Funding Form Behavior
When funding opens, FinyxFin uses a special investment-account funding mode with a simplified transaction form.
| Behavior | What Happens |
|---|---|
| Transaction types shown | Only Income and Transfer are available |
| Expense | Hidden in investment-account funding mode |
| Linking section | Hidden |
| Recurrence section | Hidden |
| If Income is selected | The investment account is prefilled and locked as the account |
| If Transfer is selected | The investment account is prefilled and locked as the destination account |
Investment-account funding uses the same underlying transaction processing as the rest of FinyxFin. This helps keep balances, reporting, and account totals consistent.
When to Use Transfer vs Income
- Use Transfer when the money is coming from another tracked account
- Use Income only when the money truly enters your finances as new income directly into the investment account
➕ Adding Investments
FinyxFin supports two main ways to add investments into an investment account.
Buy Investment
Use this when you are recording a purchase you made today or in the past
Add Existing Investment
Use this when you already owned the investment before you started using FinyxFin
Buy Investment
- Uses your investment account cash balance
- Validates available cash where applicable
- Creates investment transaction records
- Updates investments, lots, and account totals
Add Existing Investment
- Helps you bring investments you already owned into the app
- Supports a starting investment state and starting cash balance
- Can optionally include a starting cash snapshot
- Creates a historical starting state without forcing a new live buy
Buy Investment Screen Flow
- What would you like to do? Choose Buy Investment or Add Existing Investment
- If you choose Buy Investment, you will also choose New Investment or Buy More
- New Investment is for the first time you add that investment in FinyxFin
- Buy More is for adding another purchase to an investment you already track
Use Buy Investment for purchases. Use Add Existing Investment when you are onboarding investments you already owned into FinyxFin.
🗂️ Investment Classification Model
Every investment in FinyxFin is stored using a flexible global classification model.
Each Investment Stores
- Category — a high-level family
- Type — the specific investment type
- Price Type — such as Market Price, NAV per Unit, Percentage Growth, or Manual Total Value
Example Categories
Cash & Deposits
Time deposits and similar investments
Stocks
Individual stock investments
Bonds
Government and corporate debt instruments
Funds
Mutual funds, ETFs, and related instruments
Retirement / Tax-Advantaged
Retirement-style investments and accounts
Real Estate
Property-related investments
Commodities
Gold, silver, and other commodity exposure
Cryptocurrency
Crypto assets and similar investments
Alternative Investments
Private or non-standard investments
Other
Anything that does not fit the standard families
Available type options depend on the selected category. FinyxFin keeps category and type aligned when you change selections.
📐 Price Type & Price Updates
FinyxFin supports multiple manual price types so different investment types can be tracked more naturally without broker or market API connections.
| Price Type | Typical Use | How Value Is Updated |
|---|---|---|
| Market Price | Stocks, crypto, market-linked assets | Enter latest price per unit/share |
| NAV per Unit | Funds and NAV-style instruments | Enter the latest NAV manually |
| Percentage Growth | Retirement-style or growth-rate instruments | Enter an updated growth percentage |
| Manual Total Value | Real estate, private assets, alternative investments | Enter the latest total value directly |
When a latest value is not available, FinyxFin keeps invested amount visible but treats current value and unrealized gain as unavailable instead of showing misleading numbers.
Bulk Update Prices
The bulk update screen helps you update multiple investments in one session.
- Supports latest market price entry
- Supports latest NAV entry
- Supports percentage growth updates
- Supports manual total value entry
- Shows last updated information during the workflow
External Quote Reference Links
Eligible investments can optionally open external quote pages for manual verification.
- Yahoo Finance and Google Finance links can be used as reference pages
- Links open externally for user verification only
- No scraping, no auto-import, and no automatic value filling are performed
- If a symbol is missing, quote links are hidden or disabled and manual entry still works normally
🧮 Fees, Dividends, and Corporate Actions
Fees, Tax, and Other Charges
Buy and sell transactions now support more realistic transaction costs.
- Brokerage fee
- Tax
- Other charges
Buy transactions increase total invested amount using quantity × price per unit plus charges. Sell transactions calculate net proceeds after deducting those charges.
Dividend Support
- Cash Payment increases investment account cash and does not change investment quantity
- Reinvested Payment increases investment quantity, does not increase account cash, and supports reinvestment price and reinvested share calculation
Stock Split Support
FinyxFin now supports stock splits as tracked corporate actions.
- Examples include 2:1 and 4:1 splits
- Share/unit quantity updates automatically
- Per-unit basis adjusts correctly
- Total cost basis remains unchanged
- Split history remains visible for auditability
📋 Investment Account Detail Screen
The investment account detail view helps you manage one investment account in depth.
What You See
- Cash — available investment account cash
- Investments — value of all tracked investments
- Gain / Loss — current gain or loss so far
- Investment count — number of active investments
Top Summary Actions
Quick Actions
Investment-account actions are now more generic and less trading-centric. Investment-specific actions such as Buy, Sell, Add Payment, Add Money, Record Interest, or Update Price depend on the investment type and usually appear where they make the most sense.
Investments List Behavior
- Grouped by investment bucket
- Sorted by subtype or symbol within groups
- Supports search
- Supports multiple sort orders such as value, symbol, gain, date, and recently updated
↔️ Investment-Level Actions
Investment actions now adapt to how the asset behaves in real life instead of forcing stock-trading language everywhere.
| Profile | Typical Actions |
|---|---|
| Stock-like | Buy, Sell, Add Payment, Update Price, Corporate Actions |
| Retirement-like | Add Contribution, Update Rate, Record Interest, Review Contribution History |
| Deposit-like | Add Deposit, Update Rate, Record Interest, Review Maturity Details |
| Manual-value-like | Update Value, Review Invested Amount, Inspect value history |
Normal stocks no longer show irrelevant retirement-only fields, and retirement/deposit assets no longer look like stock-trading screens. Empty sections are hidden and irrelevant rows are removed instead of showing confusing “No” values.
📊 How Investment Actions Affect Cash & Reporting
| Action | Cash Effect | Income? | Expense? |
|---|---|---|---|
| Buy | Cash decreases | No | No |
| Sell | Cash increases | No | No |
| Cash Payment | Cash increases | Yes | No |
| Reinvested Payment | No immediate cash increase | No | No |
| Stock Split | No cash change | No | No |
| Price Update | No cash change | No | No |
| Existing Investment | Opening-state setup | No | No |
Buying and selling change the form of your assets, but they do not count as normal income or expense. Dividends are different because they represent genuine income.
❌ Close and Delete Behavior
Close
- Market-linked investments typically need to reach zero quantity before closure
- Fixed-return instruments may use a settlement or closure flow instead
Delete Investment
Deleting an investment removes related investment records and recalculates the investment account totals.
Deleting investments changes derived account values and history. Review carefully before removing historical investment data.
🗂 History & Review
The History action helps you review investment activity for an investment account.
- See buys, sells, dividends, and stock splits / corporate actions at the account level
- Review funding activity alongside investment activity where applicable
- Benefit from more consistent same-day ordering and improved loading behavior
- Inspect transaction economics and price freshness more easily from detail flows
📥 Import & 📤 Export
FinyxFin supports import and export workflows to help you review, reconcile, and maintain manual investment records.
Available Export Styles
- Investment Snapshot Export — current investments view including quantity, total invested, and current value where available
- Investment Activity Export — historical activity export for review and reconciliation
Investment Activity Can Include
- Buys
- Sells
- Dividends
- Splits
- Trading fees
- Taxes
- Other charges
- Net and gross trade details
Snapshot-style workflows are best for restoring current investments, while activity exports are especially useful for historical review, reconciliation, and external analysis.
🛡️ Backward Compatibility & Data Safety
- No schema reset is required for these improvements
- No destructive migration was introduced
- Existing investment records remain valid
- Missing newer values safely default where needed
- Analytics and exports remain compatible with the updated model
❓ Frequently Asked Questions
💬 Need Help?
Email us at: support@finyxfin.app
Include Investments in your subject line for faster help.