Listed and liquid
The part most tools do cover — recorded with the detail that changes the answer rather than just a balance.
Shares held directly
- Units
- Cost basis
- Acquisition date
- Dividend yield
- Dividend frequency
- Withholding tax rate
- Exchange
- Ticker
Funds, ETFs and managed accounts
- Blended yield
- Ongoing charge
- Where the fund is established
- Accumulating or distributing
- Withholding tax rate
- Benchmark
Where a fund is established is recorded because two funds tracking the same index, established in different countries, are not the same holding to you.
Bonds held directly
- Coupon
- Coupon frequency
- Maturity year
- Perpetual
- Next call year
- Yield to maturity
- Credit rating
- Issuer type
- Sensitivity to interest rates
A perpetual has no maturity, so recording only a maturity year misreads it as redeeming on a date that will never come. The date that matters is the earliest the issuer may call it — so that is a field of its own.
Listed property trusts
- Distribution yield
- Distribution frequency
- Gearing
- Sector
Private, illiquid and structured
This is where a net-worth figure usually goes wrong. A commitment you have signed but not funded is not money you hold, and a fund you cannot leave until next April is not liquidity.
Private equity and venture
- Committed
- Drawn to date
- Distributions received
- Vintage year
- Liquidity horizon
- Valuation date
Committed and drawn are separate fields because the gap between them is a call that can arrive at a bad moment. The undrawn part is treated as an obligation, not as spare cash.
Private credit
- Coupon yield
- Tenor
- Seniority
- Secured
- Loan to value
Seniority and security decide what a default actually costs you, so they are fields rather than a term sheet in a drawer.
Structured notes
- Capital protected
- Participation rate
- Underlying
- Issuer
- Coupon
- Maturity year
The issuer is recorded because a note is a claim on that institution, not on the underlying. Two notes on the same index from two banks are not the same holding.
Hedge funds
- Strategy
- Redemption frequency
- Lock-up end date
- Liquidity horizon
- Expected yield
- Valuation date
A lock-up end date is the difference between something you could reach in a bad year and something you could not. It belongs in the record rather than in your memory.
Digital assets
- Custodian or wallet
- Staking yield
Deliberately two fields. The custodian note is the one that matters to whoever comes after you — a holding nobody can find is a holding nobody inherits.
Hard assets and royalties
- What it is
- Income yield
- Custodian
- Liquidity horizon
- Valuation date
Art, metals, timber, a catalogue. The custodian field matters most here — it is often the only record of where the thing physically is.
Wrappers and property
Things that are an asset and an obligation at the same time, which is exactly what a single balance hides.
Insurance and pension wrappers
- Surrender value
- Death benefit
- Projected payout
- Payout start age
- Premium amount
- Premium frequency
- Premium term
- Surrender period end
- Insurer
- Policy type
A policy still inside its premium term is a committed outflow, not a pure asset. The amount is captured and not just the term, so the cost of holding it is visible.
Rental property
- Annual rent
- Occupancy
- Lease end date
- Service charges
- Purchase price
- Purchase year
The home you live in
- Purchase price
- Purchase year
- Valuation date
Cash and near-cash
Kept deliberately thin. Cash does not need six fields, and asking for them is how a record stops being kept up to date.
Savings accounts
- Interest rate
Fixed deposits
- Interest rate
- Maturity date
Money market holdings
- Yield
Where this list stops
Sixteen types is not everything, and the gaps are worth knowing before you spend an evening on this.
A promised pension has no home here yet
An income promised for life, with no capital value attached, does not fit a record built around balances. Recording a transfer value you invented would be worse than leaving it out — so it is left out, and that understates you if you hold one.
Seven currencies convert, not every currency
Totals convert across SGD, HKD, USD, CNY, GBP, AED, CHF. A holding in any other currency is recorded and then left out of the total, and the total names which one rather than guessing a rate.
Holding something through a company or a trust is not modelled
You can record what the structure holds. The structure itself — who owns it, what its documents say, what it changes on the way out — is not something this records yet.
We would rather you read that list now than discover it at holding number nine.