Investment Portfolio Tracking in Greenback

Greenback provides comprehensive tools for tracking your investment portfolio, including stocks, bonds, ETFs, mutual funds, and cryptocurrency holdings. This guide covers how to monitor and analyze your investments effectively.

Connecting Investment Accounts

Supported Investment Platforms

Greenback supports major investment platforms through Plaid:

• Traditional Brokerages: Vanguard, Fidelity, Charles Schwab, TD Ameritrade
• Online Platforms: Robinhood, Webull, E*TRADE, Interactive Brokers
• Retirement Accounts: 401k, IRA, Roth IRA through various custodians
• Crypto Exchanges: Coinbase, Binance.US, Kraken (where supported)

Adding Investment Accounts

1. Connected Accounts Screen: Go to Connected Accounts (🏦)
2. Add Institution: Tap “Add Institution”
3. Search: Find your investment platform or brokerage
4. Login: Enter your investment account credentials
5. Account Selection: Choose which investment accounts to connect
6. Verification: Complete any security steps

Viewing Your Portfolio

Investment Dashboard

• Total Portfolio Value: Combined value of all investment accounts
• Account Breakdown: Individual account balances and performance
• Asset Allocation: Distribution across different investment types
• Performance Metrics: Returns, gains/losses, and trends

Account Details

Tap on any investment account to see:

• Holdings: Individual stocks, bonds, ETFs, and funds
• Cash Balance: Uninvested cash in the account
• Performance: Account-level returns and metrics
• Transactions: Recent investment transactions

Holdings View

• Security Details: Individual investment positions
• Current Value: Real-time or near real-time values
• Quantity: Number of shares/units held
• Cost Basis: Original purchase price (where available)
• Unrealized Gains/Losses: Current profit or loss

Investment Performance Tracking

Return Calculations

• Total Return: Includes price appreciation and dividends/interest
• Price Return: Change in security price only
• Time-Weighted Returns: Account for timing of cash flows
• Money-Weighted Returns: Account for your personal investment timing

Performance Periods

• Daily: Day-to-day changes
• Weekly: Week-over-week performance
• Monthly: Month-to-date performance
• Year-to-Date (YTD): Performance since start of current year
• Custom Periods: Compare performance over specific timeframes

Asset Allocation Analysis

Portfolio Breakdown

• By Asset Class: Stocks, bonds, cash, alternatives
• By Sector: Technology, healthcare, financials, etc.
• By Geography: Domestic vs international investments
• By Investment Style: Growth, value, blend strategies

Rebalancing Alerts

• Target Allocation: Set your desired asset allocation
• Drift Monitoring: Get notified when allocations drift from targets
• Rebalancing Recommendations: Suggestions for getting back to target allocation

Dividend and Interest Tracking

Income Monitoring

• Dividend Payments: Track dividend income from stocks and funds
• Interest Income: Interest from bonds and cash holdings
• Distribution Tracking: Mutual fund and ETF distributions

Tax Considerations

• Qualified Dividends: Tax-advantaged dividend income
• Ordinary Dividends: Taxed as regular income
• Interest Income: Generally taxed as ordinary income

Investment Transactions

Transaction Types

• Buys: Purchases of securities
• Sells: Sales of securities
• Dividends: Dividend payments received
• Interest: Interest payments received
• Splits: Stock splits and reverse splits
• Merges: Corporate actions and mergers

Transaction Details

• Date: When the transaction occurred
• Description: What happened (buy, sell, dividend, etc.)
• Amount: Dollar amount of the transaction
• Quantity: Number of shares/units involved
• Price: Price per share/unit

Advanced Investment Features

Portfolio Analytics

• Risk Metrics: Standard deviation, Sharpe ratio, beta
• Correlation Analysis: How investments move relative to each other
• Attribution Analysis: What drove portfolio performance

Benchmark Comparisons

• Market Indices: Compare to S&P 500, NASDAQ, Dow Jones
• Asset Class Benchmarks: Compare to appropriate benchmarks
• Peer Group Comparisons: How you compare to similar investors

Manual Investment Tracking

For investments not connected via Plaid:

Adding Manual Investments

1. Assets & Debts Screen: Go to Assets & Debts (💰)
2. Assets Tab: Select the Assets section
3. Add Asset: Create a new asset entry
4. Investment Category: Choose “Investments” or “Retirement”
5. Regular Updates: Update values as investments change

Manual Investment Types

• Individual Stocks: Not held in linked brokerage accounts
• Crypto Assets: Cryptocurrency not in connected exchanges
• Private Investments: Private equity, venture capital, real estate
• Collectibles: Art, wine, classic cars, precious metals

Investment Goals and Planning

Setting Investment Goals

• Target Values: Set target portfolio values
• Return Objectives: Define desired annual returns
• Risk Tolerance: Align investments with your risk comfort level
• Time Horizon: Plan for short-term vs long-term goals

Progress Tracking

• Goal Monitoring: Track progress toward investment objectives
• Milestone Celebrations: Mark achievements along the way
• Adjustment Planning: Modify goals as circumstances change

Tax Optimization

Tax-Loss Harvesting

• Identify Losses: Find investments with unrealized losses
• Strategic Selling: Sell losers to offset gains
• Wash Sale Rules: Avoid violating wash sale restrictions

Tax-Efficient Investing

• Asset Location: Place tax-efficient investments in taxable accounts
• Tax-Advantaged Accounts: Maximize retirement account contributions
• Qualified Dividends: Prioritize tax-advantaged dividend income

Troubleshooting Investment Issues

Missing Holdings or Values

Common Causes:

• Recent account connection or sync issues
• Holdings not supported by the data provider
• Corporate actions not yet reflected

Solutions:

1. Refresh the account connection
2. Wait 24-48 hours for data updates
3. Check if holdings are in supported account types
4. Contact your brokerage for data issues

Incorrect Values or Prices

Common Causes:

• Delayed price updates from market data providers
• Incorrect cost basis information
• Corporate actions not properly reflected

Solutions:

1. Verify prices on financial websites (Yahoo Finance, Bloomberg)
2. Check with your brokerage for official values
3. Allow time for market data to update
4. Contact support if issues persist

Performance Calculation Issues

Common Causes:

• Missing historical data
• Incorrect cost basis
• Dividend/interest not properly tracked

Solutions:

1. Ensure complete transaction history is available
2. Verify cost basis information with brokerage statements
3. Check dividend and interest tracking settings

Security and Privacy

Data Protection

• Investment data is encrypted in transit and at rest
• Read-only access to your accounts
• No trading capabilities through the app
• Secure API connections to data providers

What Data is Accessible

• Holdings and positions
• Transaction history
• Performance data
• Account balances
• Cost basis information (where available)

Investment Best Practices

1. Regular Monitoring: Review your portfolio weekly or monthly
2. Diversification: Ensure proper asset allocation across different investments
3. Cost Management: Monitor fees and expenses that impact returns
4. Tax Awareness: Consider tax implications of investment decisions
5. Long-term Perspective: Focus on long-term goals rather than short-term fluctuations
6. Professional Advice: Consider consulting financial advisors for complex situations

Getting Help

For investment-related questions:

• Check the in-app help system
• Review this documentation
• Contact support through Settings → Support
• Consult with qualified financial professionals for personalized advice

Remember: Investment values fluctuate, and past performance doesn’t guarantee future results. Use Greenback as a tool for tracking and analysis, but always do your own research and consider consulting financial professionals for important investment decisions.