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This page shows how to record in guito the investments whose value you provide yourself: money placed on P2P platforms, stakes in companies, money you lent to someone, and stocks, ETFs, funds, bonds or crypto guito doesn’t quote yet. You’ll find them under Investments (/investments), in the Valued by you section, alongside the rest of your investments and your savings certificates.
On the free plan you can hold three of these at a time. Closing one frees the slot for another. Plus raises the limit to 25. Once you’re one slot away from the limit, Add manually starts saying how many you’ve used, so you don’t find out with the form already filled in.

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What belongs here

There are nine kinds, shown in two groups, and the one you pick shapes the wording you’ll see from then on. Market securities, for assets that trade on a market but that guito doesn’t quote yet:
  • Stock: a share you couldn’t find in search.
  • ETF: an ETF you couldn’t find in search.
  • Fund: a fund or a PPR plan with no public quote.
  • Bond: a government or corporate bond.
  • Crypto: a coin or token that doesn’t show up in search.
Off-market, for what has no quote at all:
  • P2P / Crowdlending: the balance you hold on a peer-to-peer lending platform.
  • Private equity: a stake in a startup or a venture fund.
  • Business stake: a share in a company.
  • Loan to a third party: money you lent and expect to get back.
A physical asset (a home, a car, gold, art) isn’t an investment: record it under Properties and assets. And a loan you granted is the opposite of a credit: here you record money owed to you, while money you owe lives in Credits.
In the portfolio breakdown, the market kinds count as stock, ETF, fund or crypto, and the four off-market kinds as Alternatives. The bond is the exception: there’s no bond class, so it lands in Other.

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What about stocks?

It depends on which stocks. If it’s a listed stock, ETF or fund guito doesn’t carry yet, the best route is still Suggest adding this product, from the search box: once it’s in the catalog it gets a daily quote and behaves like any other position. In the meantime you can record it as Stock, ETF or Fund, so it isn’t missing from your net worth. Its value is then whatever you enter, and keeping it current is up to you. If it’s an unlisted company (a stake in a family business, shares in a startup), record it as Business stake or Private equity.

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Units

The value you record is always an amount, not a price per unit. If you know how many shares or units you hold, enter it under Number of shares, quotas, coins or units and guito shows you what each one is worth. It’s only an annotation: it never changes the investment’s value or its return, and you can correct it at any time under Edit investment. If you add money after entering the number of units, guito no longer knows how many you hold, and the per-unit figure shows with a ”≈” in front. Enter the new count under Edit investment and the ”≈” goes away.

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Maturity date

Three kinds have a field for the date the money is due back: Bond, Loan to a third party and P2P / Crowdlending. The rest don’t show it, because they have no end date. The maturity date can never be earlier than the investment date. If maturity has already passed, you can still record it: the estimated accrued interest stops counting on that date.

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Brand

On the five market kinds (stock, ETF, fund, bond and crypto) you can pick the brand of what you bought: type the name, pick the match from the list, and the investment shows the logo instead of the initials of its name. It’s optional, and the other four kinds don’t show the field.

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Add an investment

1

Open Investments

Click Investments in the sidebar.
2

Click Add

It’s the same button you record a buy with. The window opens on the search and, below it, separated by an or, Add manually is always there.
3

Choose the kind

The picker shows all nine kinds in the two groups, Market securities and Off-market. If you had typed something into the search, guito keeps that text as the name and picks Stock for you. You can change both.
4

Fill in the details

  • Name: whatever you call it, for example “Mintos” or “Loan to John”.
  • Amount invested: how much you put in. Depending on the kind, the field is called Amount deposited, Amount lent, Total invested or Total amount invested. The currency is chosen in the form’s currency picker.
  • Investment date: when the money left your pocket.
  • Current value (optional): if it’s already worth more or less than you invested. Depending on the kind, the field is called Market value, Current balance, Outstanding balance, Valuation or Stake value. Leave it empty and guito assumes the amount invested until you update it.
  • Number of shares, quotas, coins or units (optional): an annotation. It isn’t shown on P2P / Crowdlending or on a loan to a third party.
  • Annual interest rate (optional): shown on a loan to a third party and, under the name Indicated annual rate, on P2P / Crowdlending. On a loan it changes how the value is calculated; on a P2P holding it only feeds the accrued-interest estimate.
The Add investment window, open on the Search product… box with, below an "or" divider, the dashed Add manually card for P2P, crowdlending, stakes and loans.The Add investment window, open on the Search product… box with, below an "or" divider, the dashed Add manually card for P2P, crowdlending, stakes and loans.A P2P / Crowdlending investment adds two fields of its own, Platform and Originator, explained in P2P lending.
5

Confirm

Click Create investment. If you have more than one to record, Create and add another saves this one and returns you to the search for the next.

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Which currency you record in

Any of the nine kinds can be recorded in another currency. If you bought a stock in dollars, or hold a balance on a P2P platform in dollars, switch the euro for the dollar in the form’s currency picker: that’s the currency you then enter the amount invested in, and later the current value. You can choose from ten currencies: euro (EUR), US dollar (USD), pound sterling (GBP), Swiss franc (CHF), Polish zloty (PLN), Swedish krona (SEK), Hungarian forint (HUF), Norwegian krone (NOK), Danish krone (DKK) and Canadian dollar (CAD). There is one case where you don’t get to pick: a loan to a third party with an interest rate is always in euros, because the value is worked out from the amount lent.
Whichever currency you record in, your portfolio totals and your net worth are still shown in euros: guito converts the value at the exchange rate.

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Correcting the investment’s details

Edit investment, in the position’s actions menu, lets you correct everything that describes the investment:
  • Name: how the investment appears everywhere.
  • Kind: changes how guito classifies the investment and what it calls its value. Fields the new kind doesn’t use disappear.
  • Amount originally invested: corrects the first entry, the one that created the position.
  • Investment date: the day the money left your pocket.
  • The fields specific to each kind: units, rate, maturity date, brand, platform, originator and status.
Correcting the amount invested is for a typo, say €50,000 where you meant €5,000. It only touches the first entry: later top-ups stay in the history as their own movements and are edited there. If you’ve already withdrawn more than the new amount, guito refuses the correction. Correcting the date touches that same first entry. If there are later top-ups or withdrawals, the new date has to come before all of them.

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Moving an asset into investments

If you already recorded an investment under Properties and assets — a crowdlending platform balance, say, or money you lent someone — you don’t have to delete it and type everything again: the asset’s action menu offers Move to investments, which carries the amount invested, the acquisition date and the latest value you recorded (earlier valuations stay on the asset, which is archived). The step-by-step is in Properties and assets.

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Frequently asked questions

No. Properties and assets is for what you own physically, such as a home, a car or gold. These investments are money put to work, which is why they count toward your investments total and carry a return.
Because it is a stock. The kind you picked says what the asset is, and that’s what drives the asset-class filter and the portfolio breakdown, whether guito quotes the position or you state its value. What separates them is where the value comes from, and that’s what the Valued by you section is for.
Yes, on any of the nine kinds. The one exception is a loan to a third party carrying an interest rate, which stays in euros. Either way, your totals and your net worth are shown in euros.
You can, while the investment is still just its first entry: open Edit investment and switch the currency in the currency picker. Once it has a second movement or an updated value, guito stops allowing the switch — delete the investment and record it again.

Updating and closing

Keeping the value current, recording repayments, and closing the position.

P2P lending

Platform, originator, and the total per platform.

Investments

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

Properties and assets

Real estate, vehicles and other assets, with manual valuations.