Investments
What this solves
Investments shows what you own across every brokerage, crypto, and market-priced account: value, performance, income, and every trade behind it — built on the same lot-tracked positions the rest of the app uses, so this always agrees with your net-worth headline.
Holdings, analysis, performance, income, activity
| Sub-tab | Shows |
|---|---|
| Holdings | One row per instrument or account: value, allocation %, day change, unrealized gain/loss. Group by class/account/currency. |
| Analysis | Sector/geography breakdown, risk metrics, and a rebalance panel proposing trades toward a target. Sits beside Holdings as a side column on a wide screen; becomes this separate sub-tab once the pane narrows (a smaller window, or mobile). |
| Performance | Time-weighted (your choices alone) and money-weighted/XIRR (folds in your contribution timing) return, optionally vs. a benchmark. |
| Income | Dividends, interest, distributions paid, a 12-month forecast, and an ex-dividend calendar — you must own a holding before its ex-dividend date to receive the payout. Reinvestment (DRP) is a distinct flag on a dividend event, not a plain cash payout — it books a lot instead of cash. |
| Activity | Full trade/dividend/event history, filterable by range or quarter, with search. |
There’s no manual “add position” form — a holding is added by telling Lucius (“I bought 10 shares of VTI at $245 in my Fidelity account”) or importing a statement.
Options
Record and close contracts you’ve written or bought — a covered call, cash-secured put, long call/put, protective put, or custom position. Booking the premium/buyback as a real transaction against a chosen account is optional per contract (“don’t book a cash leg” is a valid choice) — do it and the leg shows up in your ledger and net worth. Taxability depends on your jurisdiction; the app records the trade and lets Tax settings decide, rather than assuming an answer.
What Lucius can do here
- Record a buy, sell, or dividend/interest/distribution from a plain description.
- Open, close, update, or cancel an option position, including the premium/buyback leg.
- Explain your allocation, propose a rebalance, answer concentration/risk questions.
- Compute realized gains/losses, fees paid, and return over any period, with or without a benchmark.
- Look up upcoming dividends and your forward income forecast.
Things that trip people up
- No manual “add holding” form — ask Lucius or import a statement.
- A dividend not yet received doesn’t count — “last 12 months” only counts past pay dates.
- Options premium is booked as a fact, not a tax verdict — decided under Tax.
- Unvested equity never appears here — tracked under Equity Compensation instead.
- FIFO is the default lot-selection method, not the only one — selling (from the UI’s sale form, or by asking Lucius) can switch to “Specific lots” and hand-pick which lots to sell; oldest-first is only what happens if you leave it on FIFO.