Investments

Sure provides comprehensive investment tracking across all your brokerage accounts, crypto exchanges, and retirement accounts. Monitor holdings, track gains/losses, and understand your portfolio performance.

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Investment Accounts

Sure supports multiple types of investment accounts:

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Account Tax Treatment

Investment accounts have different tax treatments:

• Taxable - Regular brokerage accounts where gains are taxed
• Tax-Deferred - Traditional IRA, 401(k) - taxed on withdrawal
• Tax-Exempt - Roth IRA, Roth 401(k) - tax-free gains
• Tax-Advantaged - HSA, 529 - special tax benefits

Tax treatment affects how gains are reported in investment performance summaries.

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Holdings

Holdings represent securities you own in investment accounts:

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What’s Tracked

For each holding, Sure tracks:

• Security - Stock, ETF, mutual fund, or cryptocurrency
• Ticker Symbol - Identifier (AAPL, VTSAX, BTC-USD, etc.)
• Quantity - Number of shares/units owned
• Current Price - Latest market price
• Market Value - Quantity × Current Price
• Cost Basis - What you paid for the shares
• Unrealized Gain/Loss - Market Value - Cost Basis

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Current Holdings

View all holdings on the account detail page:

1. Click an investment account
2. See the Holdings section
3. Each holding shows:
   • Security name and ticker
   • Quantity and current price
   • Total market value
   • Day change (compared to previous day)
   • Total gain/loss with percentage
   • Portfolio weight

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Holdings History

Sure tracks holdings over time:

• Daily snapshots of quantity and market value
• Historical cost basis (if available from provider)
• Trends showing how holdings have grown or shrunk

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Cost Basis Tracking

Cost basis determines your capital gains when you sell:

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Cost Basis Sources

Sure determines cost basis from multiple sources (in priority order):

1. Manual - You set it explicitly (highest priority)
2. Calculated - Computed from buy trades you’ve entered
3. Provider - Reported by your brokerage

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Cost Basis Management

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Trades

Trades record buy/sell activity in investment accounts:

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Viewing Trades

On an investment account:

1. Switch to the Trades tab
2. See all buy and sell transactions
3. Each trade shows:
   • Security ticker
   • Buy or Sell
   • Quantity
   • Price per share
   • Total amount
   • Date
   • Realized gain/loss (for sells)

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Creating Manual Trades

Add trades manually:

1. Open an investment account
2. Click New Trade
3. Enter trade details:
   • Security - Search by ticker symbol or name
   • Type - Buy or Sell
   • Quantity - Number of shares
   • Price - Price per share
   • Date - Trade date
   • Activity Label - Buy, Sell, Dividend Reinvestment, etc.
4. Save the trade

Sure automatically:

• Updates holdings
• Calculates cost basis (for buys)
• Computes realized gains (for sells)
• Updates account balance

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Converting Transactions to Trades

If your brokerage imports trades as generic transactions:

1. Find the transaction in the account
2. Click Convert to Trade
3. Enter security details:
   • Ticker symbol
   • Quantity or price (Sure calculates the other)
   • Buy or Sell
4. Sure converts it to a proper trade

The original transaction is excluded and a new trade entry is created.

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Trade Activity Labels

Trades can have activity labels for better categorization:

• Buy - Purchase of securities
• Sell - Sale of securities
• Dividend Reinvestment - Dividends used to buy more shares
• Transfer - Shares moved in/out of account
• Contribution/Withdrawal - Cash moved (not a trade)
• Exchange - Swap one fund for another
• Other - Miscellaneous activities

Labels help organize trades in reports and tax summaries.

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Investment Performance

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Unrealized Gains

For holdings you still own: Unrealized Gain/Loss = Market Value - Cost Basis

• Positive - Your investment has grown (gain)
• Negative - Your investment has declined (loss)
• Percentage - (Market Value - Cost Basis) / Cost Basis × 100%

Example:

• Bought 10 shares of AAPL at $150 =$1,500 cost basis
• Current price: $180
• Market value: 10 × $180 =$1,800
• Unrealized gain: $1,800 -$1,500 = $300 (+20%)

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Realized Gains

For securities you’ve sold: Realized Gain/Loss = Sale Proceeds - Cost Basis

• Short-term - Held less than 1 year (taxed as ordinary income)
• Long-term - Held more than 1 year (taxed at capital gains rate)

Sure calculates realized gains automatically when you record sell trades.

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Portfolio Performance

In the Reports section, see investment metrics:

• Total Portfolio Value - Sum of all investment account balances
• Total Unrealized Gains - Across all holdings
• Period Returns - Gains/losses in a specific timeframe
• Gains by Tax Treatment - Taxable vs tax-advantaged gains
• Top Holdings - Largest positions by market value

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Security Management

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Security Lookup

When entering trades, Sure searches:

• Stock tickers - AAPL, MSFT, TSLA
• ETF tickers - VOO, QQQ, SPY
• Mutual funds - VTSAX, FXAIX
• Crypto - BTC-USD, ETH-USD

Sure uses market data providers to:

• Fetch current prices
• Show security names
• Identify exchange (NYSE, NASDAQ, etc.)

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Custom Securities

For securities not in market databases:

1. Enter a custom ticker when creating a trade
2. Sure creates a “CUSTOM:XXX” security
3. You’ll need to manually update prices

Useful for:

• Private company stock
• Manual portfolio tracking
• Non-standard investments

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Security Remapping

If a provider uses incorrect tickers:

1. Click a holding
2. Select Remap Security
3. Choose the correct security from the list
4. Sure moves all holdings and trades to the new security

This preserves your historical data while fixing the ticker.

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Reset to Provider Security

Undo a remap:

1. Click a remapped holding
2. Select Reset to Provider Security
3. Sure restores the original ticker from your brokerage

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Portfolio Analysis

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Asset Allocation

See your portfolio composition:

• By Security - Individual holdings ranked by value
• By Account - How much is in each investment account
• By Asset Class - Stocks, bonds, cash, crypto (manual tagging)

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Diversification

Review concentration risk:

• Top Holdings - Largest positions as % of portfolio
• Single Stock Risk - Alerts if one holding exceeds 20% of portfolio
• Account Concentration - How much is in taxable vs retirement

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Performance Trends

View historical performance:

• Time Series Charts - Portfolio value over time
• Contribution vs Growth - How much you added vs market gains
• Benchmark Comparison (planned) - Compare to S&P 500, total market, etc.

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Investment Flows

Track money moving in/out of investments:

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Contributions

Money you add to investment accounts:

• Transfers from checking to brokerage
• 401(k) contributions
• IRA deposits

Contributions are treated as expenses in budgets (money leaving your spending pool).

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Withdrawals

Money you take out:

• Distributions from retirement accounts
• Sale proceeds transferred to checking
• Required minimum distributions (RMDs)

Withdrawals are treated as income in budgets.

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Net Flows

In reports, see:

• Period Contributions - Total added in timeframe
• Period Withdrawals - Total removed
• Net Flow - Contributions - Withdrawals

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Frequently Asked Questions

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Tax Reporting

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Capital Gains Summary

At tax time, review:

• Realized gains from sell trades in the period
• Short-term vs long-term classification
• Gains by tax treatment (taxable, deferred, exempt)

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Wash Sales

Wash sale tracking is planned but not yet available. If you sell a security at a loss and buy it back within 30 days, you cannot claim the loss immediately.

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