Investments

The Investments module handles the part of your money that is not «cash in an account»: stocks, funds, ETFs, cryptocurrencies and fixed-income products (deposits, treasury bills, bonds). You record every purchase, sale, dividend or maturity, and Cuéntamo tells you how much your portfolio is worth today, how much you have really gained (or lost) and what you will have to declare. It all reconciles with the rest of the app: the value of your investments feeds the total balance on the Home screen and your net worth.

It is a Cuéntamo Más feature, and also optional per account book: it is turned on (or off) per book. When it is on, the Investments entry appears in the sidebar. Recording positions, operations and fixed income is available as soon as you enable it; some advanced views (the real return and the Tax tab) require a Cuéntamo Más subscription, and they tell you so with a notice when you open them.

The header and the summary cards

At the top there are two buttons (on desktop) or a «+ New» menu (on mobile) to create a new operation or a fixed-income product. The operation button is disabled if you have no account that can trade; the fixed-income one, if you have no checking or savings account to host the deposit. Importing broker statements does not live here but in Import file, which detects on its own whether the file is from a bank or a broker.

Below, always visible, two rows of summary cards:

• Equities: total portfolio value, total cost, unrealized gain (what you would make if you sold today, with its percentage) and dividends this year.
• Fixed income (only shown if you have active products): invested capital, current value, accrued interest to date (with its percentage) and yield at maturity.

The whole screen is organized into four tabs: Positions, Operations, Fixed income and Tax. The active tab is remembered in the URL, so you can bookmark a direct link to the one you use most.

Which account can trade

An investment operation needs a cash account: the account the money leaves (or enters) when you buy, sell or receive a dividend. You can use an Investment account (the typical broker account), but also a Checking, Savings or Other account. Credit cards, cash and fixed-income accounts (which are synthetic) are excluded. Fixed-income products, on the other hand, are always linked to a Checking or Savings account.

The same security in two different brokers coexists as two separate positions: if you hold the same ETF at DeGiro and at Trade Republic, each keeps its own account, cost and lots independently.

The link with your accounts: every operation moves money

This is what keeps investments from being a separate spreadsheet and makes them part of your accounting. Every purchase, sale or dividend creates (or reuses) a real transaction in the cash account, so the balance reconciles: a purchase subtracts, a sale or a dividend adds. That is why, when you create the operation, there is a «Create transaction» checkbox turned on by default; if the transaction already exists in the account (for instance, because you imported the bank statement), you can let Cuéntamo reuse it instead of duplicating it.

The operation is the single source of truth: if you edit its date or amount, the linked transaction updates on its own. And the other way round, if in the transactions list you click a transaction that came from an operation, Cuéntamo takes you straight to that operation's editor. Deleting an operation rebuilds the position's calculations from scratch.

Positions tab: your portfolio at a glance

This is the default tab and the most complete one. At the top there are three controls that govern all three sections at once (evolution, return and holdings): a search box (by name, ticker or ISIN), a sort selector (by market value, name, units, average cost, last price, gain or weight) and a button to flip the direction (ascending/descending). When you filter by search, all totals are recomputed over what remains visible.

The section has three blocks, from top to bottom:

• Real return (Cuéntamo Más): four cards with the time-weighted return (TWR), the annualized one (APR), the money-weighted one (MWRR) and the total value. Each one has its help alongside. Returns only appear with at least a year of history; for shorter horizons they are hidden with a notice.
• Portfolio evolution: a stacked-area chart by position, with a dotted cost line, an interactive legend and a horizon selector (90, 180, 365, 730 or 1825 days). Foreign currencies are converted at each date's exchange rate.
• Your positions: the holdings table, with units, average cost, last price, market value, unrealized gain and weight over the total. Each column is sortable by clicking its header.

A position in detail

In the Return by position table (Cuéntamo Más), each row is clickable and opens a detail modal with two charts that share the time axis: on top, the instrument's quote in its native currency; below, the value of your investment (area) against its accumulated cost (dotted line), both in your book's currency. A shared selector changes the horizon, and if you have at least a year, the tooltip shows the APR and the MWRR at each date.

Linking a position to its instrument

Each position can be linked to a global catalog instrument (identified by ticker and ISIN), and that link is what lets Cuéntamo pull the quote and the price history automatically. Each holdings row has a link to link (in amber if it is not yet linked) or change the instrument. It opens a search where you type the ISIN or the ticker; Cuéntamo looks it up in its catalog and in external sources, shows you the match (name, currency, source) and you confirm it. You can also unlink. If a position has a manually set price, it is flagged with a «manual price» tag.

Operations tab: the log of investment moves

Here is the list of all your operations. You can filter by type (buy, sell, dividend, split), by position and by year, and clear the filters at once. The table shows date, type (with a colored badge), instrument, units, price, amount and the realized gain (on sales). Each row has its edit and delete buttons.

For repetitive tasks there is multiple selection: tick several rows (or «select all») and delete them at once with bulk delete. When you delete operations, Cuéntamo recomputes the FIFO lots of the affected positions just once, so cost and gains stay consistent.

Creating an operation

With «+ New operation» the form opens. You first pick the type and the cash account. Then you indicate the position: one you already have (only those of the chosen account are offered) or a new one, searching for its instrument with autocomplete. Depending on the type, the fields change:

• Buy / sell: units, price and gross amount. The gross amount is computed on its own (units × price), but you can adjust it. Plus commission.
• Dividend: gross amount, commission and withholding applied.
• Split: the ratio of the split (for example, 2 for a 2-for-1).

On save, if Cuéntamo detects that the operation might be «undoing» a very recent previous one (an anti-application, within a window of a few days), it warns you so you can review it.

Editing an operation: the lock

The editor leaves the position and the type read-only (changing them would break the order of the lots: for that, delete the operation and create a new one). You can edit the date, units, price, gross amount, commission, withholding, account and notes.

Since units, price and gross amount are tied by the formula gross = units × price, there is a lock next to those three fields: click the one you want to anchor, and when you edit another, the third recalculates automatically. That way you fix the price without your amount drifting, or the other way round.

A confirmed / forecast switch marks whether the cash leg has really happened or is in the future; you cannot confirm as real something with a future date. Changing the account moves the whole position to the new broker account.

Fixed income tab: deposits, bills and bonds

Fixed income is handled separately because it works differently: you put in some capital, you know the interest and you wait for maturity. The tab lists your products sorted by maturity date (the closest first), with their issuer, nominal, rate, maturity, net yield and status (active, matured…). Click any of them to see its detail.

With «+ Fixed income» you create a new one. You choose the type (deposit, treasury bill, bond, corporate bond), the name, the issuer and (except for deposits) the ISIN. You link it to a checking or savings account, and indicate the nominal, the currency, the interest rate (with a TIN / APR toggle), the coupon frequency (at maturity, monthly, quarterly, semiannual or annual), the start and maturity dates, whether it renews automatically and the withholding (leave it empty for the standard 19%; put 0 for deposits without withholding, such as those from foreign banks).

A fixed-income product in detail

The detail modal shows the product's data (nominal, rate, dates, days left to maturity and current value) and a yield table that pits the expected (computed) against the actual (what was actually received): accrued interest, gross yield, net yield and APR.

Below is the cash-flow history: each coupon or credit, editable inline (amount and date) in case the bank paid you a figure different from the computed one, with the option to delete it or to mark it as confirmed or forecast. To log a new payment, use «Record coupon» (date, gross amount and withholding). These payments are real transactions in the linked account.

An active product can be matured (marks the maturity; by our rule, this does not on its own promote any forecast transaction to real) or deleted , and it can always be edited .

Tax tab (Cuéntamo Más)

The Tax tab is exclusive to Cuéntamo Más; without the subscription you will see a notice with the option to upgrade. It has a year selector (the last six years, the previous one by default) and two blocks, each with its own CSV export designed to pour the data into your income-tax return:

• Capital gains (equities): it computes the gains with a FIFO criterion (what you bought first goes first) and shows gains, losses, net result and the offsettable amount, taking into account losses carried forward from previous years. Below, the detail of each sale: date, instrument, units, price, proceeds and realized gain.
• Investment income (dividends and fixed-income coupons): gross income, withholding applied and net, with the breakdown by product (type of income, instrument, gross and withheld).

Importing from the broker

You do not have to type operation by operation if your broker gives you a statement. From Import file, Cuéntamo detects whether the file is from a bank or a broker and takes you to the right wizard. For brokers such as DeGiro or Trade Republic, the preview separates the operations from the cash movements (interest, deposits, transfers), detects the destination account by its IBAN and lets you create a new account on the fly. It is a Cuéntamo Más feature.

How it fits with the rest

Investments are not an island: their value feeds the total balance and the Home screen's Composition, enters your net worth, and their payments and receipts appear as real transactions in your accounts (which is why they also affect the balance forecast). Turning the module on or off per book is done from Settings.