Investments valued by you

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 enter how much you invested and update the current value whenever you know it. guito handles the rest: the return, the value history and the weight in your net worth. You’ll find them under Investments (/investments), in the Valued by you section, alongside the rest of your investments and your savings certificates.

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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 exist on a market 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.

The two groups are only headings inside the picker, there to help you find the right kind: what gets saved is the kind you pick.

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Where each kind shows up in the list

The kind says what the asset is, and that’s what guito classifies the position by. A stock you recorded counts as a stock, an ETF as an ETF, and so on: they show up under the asset-class filter and in the portfolio breakdown next to the ones guito quotes. The four off-market kinds stay classified as Alternatives, because that’s what they are. What sets these investments apart from the rest is where the value comes from, and that’s the section they sit in: Valued by you. On each row, underneath Total value, you see the date of the last value you entered, for example “your value, 12 Aug”.

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What about stocks?

It depends which stocks. If it’s a listed stock, ETF or fund guito doesn’t carry yet, the best route is still Suggest a product, from the search box: once it’s in the catalogue it gets a daily quote and behaves like any other position, with nothing further for you to do. 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: there is no price-per-share field. If you know how many shares or units you hold, enter it under Number of shares or units, and guito divides the total value by that number to show you what each one is worth, which makes a slip in the arithmetic easy to spot. It’s an annotation, so:

• it never changes the investment’s value or its return;
• you can correct it at any time under Edit investment;
• it is only offered where it means something: on the five market kinds, on private equity and on a business stake;
• it stops being stored if you switch the investment to a kind that doesn’t use it, namely P2P / Crowdlending and loans to a third party.

If you add money after stating the count, guito no longer knows how many you hold: the money that went in doesn’t say how many shares you bought. The per-unit figure then shows with a ”≈” in front, so it isn’t taken for a fact. Enter the new count under Edit investment and the ”≈” goes away.

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Maturity date

Three kinds have a date the money is due back, and so a field of their own for it: Bond, Loan to a third party and P2P / Crowdlending. On a bond it is always known (it is what defines one), on a loan it is usually agreed, and on a P2P holding it comes from the platform. The date is always in the future and can never be earlier than the investment date. The other six kinds don’t show the field: a stock, an ETF, a fund, a crypto holding, private equity and a business stake have no end date, you hold them until you sell.

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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. It’s optional, and it only decides whether the investment shows the company’s logo instead of the initials of its name. Type the name, pick the match from the list, and the logo appears in your investments list and on the investment’s own page. Pick nothing and you keep the initials, exactly as before. The other four kinds don’t show the field. A loan to a relative or a stake in a friend’s business has no public logo, and those kinds already show an icon of their own that says what they are.

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Add an investment

The path is the same in the app: from the + button, choose Add investment and, below the search results, Add manually.

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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 picker to the right of the amount invested, and that’s the currency you enter the amount invested in, and later the current value too. Ten currencies are on offer, shown by their code:

• 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)
• Canadian dollar (CAD)

They are the ones guito holds a daily exchange rate against the euro for. A currency outside this list isn’t offered, because the converted value would be a number you couldn’t rely on. There is one case where you don’t get to pick: a loan to a third party with an interest rate. Once you give the rate, the value stops being a price and is worked out from the amount lent instead, always in euros. At that point the picker gives way to the euro symbol, with a note saying why. (On P2P / Crowdlending the rate is informational and works nothing out, so the currency stays yours to choose.) The currency can be corrected under Edit investment while the investment is still just its first entry. Once it has a second movement or an updated value, those numbers are already stored in the currency you chose and switching it would restate what you recorded, so the currency is settled from then on.

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Organising P2P loans

Someone investing in P2P rarely has a single position: they have dozens of small loans, spread across two or three platforms, each with its own originator and maturity date. So a P2P / Crowdlending investment has fields of its own for those facts, instead of making them fit inside the name.

• Platform: where you hold the money (Mintos, Debitum, VIAINVEST).
• Originator: the company that issued the loan and listed it on the platform (Evergreen Finance, Baltic Terra). Not the person who borrowed the money: one originator usually has several loans, each with its own maturity.
• Status: Active, Completed, Late or In default.

The Maturity date lives here too, but it isn’t P2P-only: it is shared with bonds and with loans to a third party, as explained above. Status is only set in Edit investment, because a loan you’re recording now is active; it becomes late later. These fields exist on both the site and the app: you can record the platform and the originator when you create the loan, and mark the status later, without needing a computer.

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Seeing the total per platform

As soon as at least one investment has a platform filled in, the Investments list gains a new view. Under the … menu, in View, pick By platform: the loans stop arriving interleaved by value and are grouped instead, each platform with its own total. P2P loans you haven’t given a platform yet sit together under No platform. Everything else appears at the end under Stocks, ETFs and others, so nothing disappears from the list: a stock you recorded by hand goes there, with the other stocks, and not next to the loans. On a wide screen, late and defaulted loans carry a label next to the name, and the platform and the originator appear underneath it. Active ones carry nothing: if every row had a label, you’d stop being able to see which ones need attention. The status also shows on the investment’s own page whenever it isn’t “Active”.

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Estimated accrued interest

Fill in the Indicated annual rate and the investment’s page shows Estimated accrued interest: what that rate implies has accrued since the investment date, as simple interest. If there’s a maturity date, the count stops there. On a completed or defaulted loan the estimate disappears. In the first case the real gain is already recorded, and an estimate beside it would only raise the question of which is right; in the second, it would be adding interest to money that isn’t coming back.

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Update the value

guito has no quote for these investments, so the value is always the one you give. Once a month, when the platform statement arrives or you do the maths, is a good rhythm. This update is available in the app too: Investments → the position → Update value.

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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. Without that distinction, the return would be inflated. 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.

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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, and you still hold the whole position. Recording it as I withdrew money would say you sold part of it: the amount invested would fall by what you received, and the gain would drop by exactly that much. That’s why I received income exists: 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. 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.

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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), so you know how old the figure in front of you is. 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.

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Loans with an interest rate

On a loan, the rate decides how the value is treated.

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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, whether it’s a partial sale of a stock or a withdrawal from a platform, record it inside Update value, in the question about money moving (I withdrew money).
• On a loan with a rate, use Record repayment.

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 only took part.

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Close an investment

One of these investments 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. Closing records the final value on the closing date without rewriting earlier history: the chart still shows what the investment was worth while you held it. 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.

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Moving an asset into investments

If you already recorded an investment under 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, under Other, offers Move to investments. The valuations you already recorded come with it, on their original dates, and the invested amount becomes the cost basis. From there the investment has a return, an IRR, and joins the Investments line of your net worth. The original asset stays archived under Assets rather than deleted: if you want to undo the move, restore it. This option only appears on assets in the Other category. A property, a car or a piece of art isn’t an investment, and is already where it belongs.

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Correcting the investment’s details

Not everything you type when creating an investment comes out right the first time. 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 (balance, valuation, outstanding amount, market value). Fields the new kind doesn’t use stop being stored: the units, the rate, the maturity date, the brand and, if you move out of P2P / Crowdlending, the platform, the originator and the status too. That’s deliberate, so you’re never left with a “Late” badge or a platform name on a stock, with nowhere to clear them.
• Amount originally invested: corrects the first entry, the one that created the position.
• Investment date: the day the money left your pocket, which isn’t always the day you got round to recording it here.
• Number of shares or units: on the kinds that use the field.
• Rate: the indicated annual rate on a P2P holding, or a loan’s interest rate.
• Maturity date: on a bond, a loan to a third party or a P2P holding.
• Brand: on the five market kinds. You can swap it or remove it, and the initials come back.
• Platform, Originator and Status, on P2P investments.

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. The return and the chart are recalculated from that first entry’s date. If you’ve already withdrawn more than the new amount, guito refuses the correction: the position would go negative. 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: the first entry is what opens the position, and it cannot move past a movement already recorded against it.

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How the return is calculated

• The return is the difference between the current value and what you have invested, net of withdrawals.
• The annualised 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 maths than about the investment.
• A loan with no interest rate shows no return.

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Frequently asked questions

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