Your money

Investments

A portfolio across every asset class, with allocation, return, and observations about concentration and staleness — never a recommendation.

Investments holds what you own for return: shares, ETFs, mutual funds, bonds, fixed deposits, crypto, gold and commodities, REITs and let property, retirement funds, and cash you are holding to deploy.

The boundary with Assets#

Split by intent, not by object. Gold held as bullion or sovereign bonds is an investment; the jewellery you wear is an Asset. A flat you let is an investment; the home you live in is an Asset.

Both modules contribute to net worth and the Dashboard adds them, so nothing is lost either way. Getting the split right is what stops the same value being counted twice — and it is what makes the return figure mean anything.

Adding a holding#

You record quantity, cost and — depending on the asset class — a price. Folio and demat numbers are encrypted at rest and never indexed or exported.

Prices#

By default every price is manual: you type it, Monestra remembers when.

Turn on Market data and add your own API key, and Monestra can fetch daily, end-of-day prices for holdings whose symbol it has resolved. This is never real-time, and Monestra never claims otherwise.

Two rules protect the figures:

• A price is only written if its currency reconciles. Some providers return a quote with no currency attached. Monestra will only write such a price against a holding whose currency it captured at symbol-search time and which still matches. A ticker you typed by hand has no such evidence, so it stays manual.
• The date stamped is the provider's trading day, not the moment of fetch. The editor calls it Price as of, because that is what it means.

Crypto is manual-price only. Mutual funds auto-price only where your chosen provider supports them.

Observations#

Monestra surfaces what it can see: concentration, holdings with no price for a long time, deposits approaching maturity, uninvested cash, and how the portfolio is allocated.

Each is phrased as a fact — "32% of your portfolio is in one holding" — and never as an instruction. Monestra does not tell you to rebalance, trim, exit or diversify. See What Monestra is.

Maturity reminders#

Fixed deposits and bonds with a maturity date raise a reminder ahead of the date, and appear on Radar as a dated inflow. Because the date is recorded on the record rather than computed, Radar draws it solid.

Value history#

Value history… on any holding gives you the line, a dated table you can correct, and CSV import. See Value history.