Skip to main content
Investments you value yourself have no quote: the value is always the one you give. This page shows how to keep it current, how to record money going in and out, and how to close the position when the investment ends. To create the investment, see Investments valued by you.

​
Update the value

Once a month, when the platform statement arrives or you do the math, is a good rhythm.
1

Open the investment

Under Investments, click the position.
2

Click Update value

The main field is today’s value, in the currency you recorded the investment in. Its name changes with the kind: balance for P2P, valuation for private equity, stake value for a business stake, outstanding balance for a loan, market value for a stock, ETF, fund, bond or crypto. The previous value sits underneath it, with the date it refers to.
3

Set the date

It defaults to today. If you’re recording last month’s statement, use the statement date: the history then holds the value on the right day.
4

Say whether money moved

There are three options besides None, with the amount and the date of the movement. This is the part that changes the return.
  • You put more money in: on a stock, ETF, fund, bond or crypto it reads I bought more; on a loan, I lent more; on the rest, I added money.
  • You took money out: I sold part, I was repaid or I withdrew money, in the same order.
  • I received income: money the investment paid you and you kept, without selling anything or getting capital back.
When you record a movement, the value you enter is the balance after it. If the platform shows €3,000 today and you withdrew €6,000 this week, enter €3,000.
This update is available in the app too: Investments → the position → Update value.

​
Why the question about money moving matters

guito works out the return by comparing what the investment is worth with what you put in. If the value went up because you deposited more, that isn’t earnings, it’s new capital. Say you deposited €5,000 on a platform in January. In March you topped up with €1,000, and the balance reached €6,100.
  • Update the balance to €6,100 and answer None, and guito compares €6,100 with the €5,000 invested and shows a €1,100 gain.
  • Answer I added money, €1,000, and the amount invested becomes €6,000 and the gain lands at €100, which is what the platform actually earned you.
The same works in reverse: withdrawing money makes the balance drop without you having lost anything.

​
Income is not the same as taking money out

A bond coupon, a distribution from a business or interest on a P2P holding is money the investment paid you while you still hold the whole position. That’s what I received income is for: it leaves the amount invested alone and counts the money received as a gain. A €10,000 bond that pays a €250 coupon is still a €10,000 bond, with €250 earned. Recording it as I sold part instead would say you sold part of the bond. On a loan with an interest rate this option isn’t here: interest and capital are separated under Record repayment, which has a field for each.
The capital movement carries its own date, separate from the value’s date. If you topped up on the 3rd but only saw the balance on the 31st, enter both dates: the annualized return accounts for how long each euro was invested.

​
Values going stale

guito never forces you to update anything. Until you do, your net worth keeps counting the last value you recorded, and the investment shows how long ago that number was written (“Updated 4 months ago”, for example). After three months without an update you get a reminder by email. If it stays out of date, the reminder repeats at most monthly, and stops the moment you record a new value. You can turn it off in your notification settings. A loan with an interest rate is left out: its value is computed from the rate, so there is nothing to update.

​
Loans with an interest rate

On a loan, the rate decides how the value is treated.
guito computes the value for you, as simple interest on the outstanding balance, counted from the date of each advance. If you lent €2,000 in January and another €1,000 in June, interest on the second advance only starts in June.Three actions keep the loan aligned with reality:
  • Record repayment, when you get money back. It has one field for the capital repaid and another for the interest received: capital lowers what you’re owed, while interest is income and is recorded as a gain.
  • Correct current value, when reality has drifted from the formula: a missed payment, a renegotiation, a default. The value you enter takes over from that date on.
  • I lent more, when you’ve advanced more money to the same person, from inside Correct current value.

​
Taking money out

A withdrawal from a platform, or a repayment on a loan, reduces the capital you still have in there.
  • On any kind, record it inside Update value, in the question about money moving: I sold part on a stock, ETF, fund, bond or crypto, I was repaid on a loan with no rate, I withdrew money on the rest.
  • On a loan with a rate, use Record repayment.
If the amount you enter is equal to or larger than the capital you still have invested, guito asks “Did you receive the full amount?”, showing how much you took out and what the position is worth. If you got everything back, it closes the investment; if you only took part of it, the position stays open. guito never closes an investment on its own.
On a stock or a fund that has risen a lot, this question appears earlier than you’d expect: it compares what you took out against the capital invested, not against today’s value. Selling €6,000 of a position that cost €5,000 and is worth €15,000 triggers it, and the right answer is I took out only part.

​
Close an investment

An investment like this ends in one of three ways, and all of them go through the same place: Close investment, in the position’s actions menu. guito asks how much you got back, and that answer is what separates the three endings.
Enter the amount you received. The difference against the capital you still had invested is recorded as a realized gain and stays in your history.
Same field, smaller amount. The loss stays visible instead of disappearing with the position.
A platform that shut down, a loan nobody is going to repay: enter 0. guito accepts zero as a legitimate ending, without making you invent a value.
Closing records the final value on the closing date without rewriting earlier history. The position becomes a closed one, meaning it leaves the main list but isn’t deleted, and it reappears whenever you show closed positions. If you’d rather put it away for good, you can archive it, like any other closed position. Closing is available in the app too, from the position’s actions menu.

​
How the return is calculated

  • The return is the difference between the current value and what you have invested, net of withdrawals.
  • The annualized return (IRR) turns that gain into a per-year figure, accounting for the dates money went in and came out. It only appears after six months of holding: before that, a good month stretched into an annual rate would say more about the math than about the investment.
  • A loan with no interest rate shows no annualized return (IRR).

​
Frequently asked questions

Either the investment is less than six months old, or it’s a loan with no interest rate. In the first case a dash takes the number’s place; in the second, the IRR isn’t shown at all.
Not automatically. If the interest stays on the platform, it shows up as the value rising when you update. If you transferred it to your bank, the movement arrives through your bank account, and on the investment side you record it under Update value with I received income (or, on a loan with a rate, in the interest field of Record repayment).
Under Update value, pick I received income and enter the amount and the date. The bond still holds its value, and the coupon is counted as a gain. Recording it as I sold part would say you sold a slice of the bond.
No need. Open the loan and record I lent more, with the amount and the date: on a loan with an interest rate that lives inside Correct current value, on a rate-free loan inside Update value. With a rate, interest on the new advance counts from that date, not from the beginning.
No. Net worth always counts the last known value. Updating regularly is what keeps the return and the chart honest.

Investments valued by you

The nine kinds, and how to record your first one.

P2P lending

Platform, originator, and the total per platform.

Investments

Stocks, ETFs and funds, and how positions are organized in your portfolio.

Credits

The other side of a loan: the money you owe.