Saventa

Portfolio detail page

Opening a portfolio card takes you to its detail page — a single scrolling page of numbered sections with a floating rail on the right for jumping between them. The sections depend on the portfolio's category: every portfolio has an Overview and an Activity section; holdings portfolios add a Holdings section, deposit portfolios a Deposits & Bonds section, and properties add Purchase, Value history and Rent history sections.

Overview chart

The Overview section pairs a growth chart with KPI cards. The chart offers tabs — Value, Compare, Profits, Contributions, Dividends, Reinvestments, Payouts, Withdrawals — and each tab only appears when that flow actually has movement.

  • Value is a stacked composition: your contributions at the base with earnings stacked on top, so you can see what makes up the total. For holdings portfolios the stack is cost basis + unrealized profit/loss; for properties it is cost basis + appreciation.
  • Compare overlays the individual flows on one scale.
  • For portfolios without daily pricing, the chart is reconstructed from your monthly cash flows and carries an Estimated badge — hover it for an explanation. Holdings and property charts are built from real price and value history and have no badge.

Return metrics: ROI, XIRR and TWR

A segmented card shows up to three return figures:

  • ROI — simple return on investment: total profit divided by what you put in.
  • XIRR/yr — the annualized money-weighted return, which accounts for when you added or withdrew money. Available for every category.
  • TWR — the time-weighted return, which removes the effect of your deposit/withdrawal timing and measures the investments themselves. It is measured day by day, so a large deposit, a withdrawal or a burst of trading is credited only against the positions actually held on those days rather than being smeared across a whole month. That matters most early on, when a few contributions can be large next to a small balance. Only shown for holdings-backed portfolios with price history; annualized once the portfolio is at least a year old, cumulative before that.

Hover the "?" icons for in-context explanations.

Header tools

  • As-of date — view the portfolio as it was on any past date.
  • View in currency — display everything converted to another currency, without changing the portfolio. The Actions menu's Convert currency permanently converts instead.
  • See in future — a non-destructive forward projection (see the Planning & projections guide).
  • Actions menu — income settings, continue plan (add new phases), compare, clone, reimport, export to CSV/Excel, convert currency, import exchange rates.

Activity

The Activity section is a year → month tree of every transaction: contributions, reinvestments, payouts and withdrawals. From here you can:

  • Add a single entry or many at once (a grid of date / amount / type rows).
  • Edit or delete entries individually or in bulk.
  • Optionally have generated future entries recalculated when you edit past ones.

Category specifics

  • Deposits & Bonds — a deposit table with per-deposit term, rate, renewal and capitalization. Deposits can be renewed automatically at term end, capitalized (interest added to principal), or withdrawn.
  • Lending (called Crowdlending before July 2026) — money you lend out directly and are repaid with interest: crowdlending and P2P platforms such as EstateGuru, a private loan, a loan to your own company. It reuses the deposit table as a list of loans, each with its own principal, rate, maturity and status (active, late, defaulted, recovered, repaid); loans never renew. Use Deposits & Bonds instead for bank deposits and bonds — instruments where the bank or issuer carries the obligation and you can usually sell out early.
  • Properties — the Purchase section holds the cost basis (purchase value and date), Value history tracks the market value over time, and Rent history tracks the monthly rent rate. Value and rent rows are edited inline; the Activity tree is read-only for everything except rent entries. Sell the property from the header's Sell property button.
  • Cash — just Overview and Activity, with contributions and withdrawals only. Cash never earns interest.
  • Pension — depends on the valuation model chosen at creation: a Fund pension behaves like a brokerage (holdings section); Fixed income has a Value section (transfer value) plus an Income section (fixed monthly income and income day); Manual value has only the Value section, which you update yourself.
  • Other Assets — a Value history section like a property's (dated entries; the most recent one is the asset's current value, charted over time). An Income-producing asset also gets the Income section (fixed monthly income and income day). When you dispose of the asset, use Sell portfolio in the Actions menu: it records the sale (your invested principal comes back as a withdrawal, any gain as a payout), sets the value to zero and stops any fixed monthly income.
  • Holdings (brokerage/crypto) — see the Holdings & assets guide. To liquidate one, use Sell all holdings in the Actions menu: it sells every open position at prices you can review and edit, and the proceeds become cash inside the portfolio. That is a different action from Sell portfolio above, which realizes a single manually-valued position.

Closing a portfolio

Savings, Deposits & Bonds, Lending and Cash portfolios are closed, not sold — use Close portfolio in the Actions menu. You pick a date, and the balance is returned as a withdrawal on that date. Nothing is recorded as a gain: the interest you earned is already in your activity and already part of that balance, so there is nothing extra to realize.

What closing does depends on the category:

  • Deposits & Bonds — every deposit still running is withdrawn on that date. Interest for a term that ends early is not paid; interest from terms that already matured stays. Deposits that had already matured and been paid out are left alone.
  • Lending — the account balance is returned, and loans still running are marked settled (active or late become repaid, defaulted becomes recovered). The loans themselves never drove the portfolio's value; the account cashflows did.
  • Savings — the balance is returned and interest generation stops, so the portfolio does not keep earning after you closed it.
  • Cash — the balance is returned. There is nothing else running.

In every case except Deposits & Bonds, entries dated after the close date are removed — the future contributions of a generated plan, for instance. Without that, a portfolio you closed would fill back up.

A closed portfolio is not deleted — it is archived, so it leaves your dashboard but keeps its full history. See below.

Archiving a portfolio

Archiving hides a portfolio from your planner without deleting anything. Closing or selling a portfolio archives it for you; you can also archive any portfolio yourself with Archive in the Actions menu (or in the card menu on the planner), and bring it back with Restore.

Archiving is also the route to deleting: a live portfolio offers Archive rather than Delete, and Delete appears on the archived card once it is on the shelf. Removing something from your dashboard therefore never destroys its history in the same click.

Manual archiving matters most for brokerage, crypto and pension portfolios, because those cannot be closed or sold — archiving is how you retire one without losing its record.

An archived portfolio:

  • moves to a collapsed Archived section at the bottom of your planner,
  • is left out of your net worth, the allocation breakdown and the "See in future" projection,
  • still appears in your income calendar, so you can look back at what it paid you,
  • can still be compared against a live portfolio,
  • keeps every entry, deposit and setting exactly as it was.

Because archiving removes a portfolio from your net worth, we warn you first if it still holds money — for a closed or sold portfolio there is nothing left, so there is nothing to warn about.

Archived portfolios do not count toward your plan's portfolio limit, so closing an account frees a slot instead of using one up forever. They do count toward a larger total limit that includes your archived history.

If you add anything to an archived portfolio — an entry, an import, a deposit — it comes back to your dashboard automatically. Renaming it or correcting an old entry leaves it archived.

Selling all holdings is not the same as archiving. Selling every position in a brokerage or crypto portfolio leaves the cash inside it, so the portfolio stays on your dashboard and stays usable. It is archived only if you also chose to withdraw the proceeds and that actually paid something out and left the account at zero. If you want a sold-out portfolio off your dashboard while it still holds cash, archive it yourself.

Projected income panel

Holdings and income-generating portfolios show a Projected income panel summarizing the next months of expected dividends and other income, matching the Income calendar.

Merged and net-worth views

Selecting several portfolios in the planner and choosing Merge, or opening the net-worth view, renders a read-only aggregate through the same detail page: pooled activity, summed totals, and a pooled XIRR figure. Nothing is editable there — it is a viewing lens, not a stored portfolio.