Investments

Investment tracking lives inside the investment account card. An account in the app is your real brokerage account or IIA (individual investment account), and inside it are the cards of issuers (Sberbank, an OFZ bond…). You enter trades, and the app computes positions, yields and — with the cloud connected — the market value from the Moscow Exchange quotes.

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“Brokerage account” → the “Issuers” tab: the “Portfolio composition” bar (shares, bonds, funds) and rows edged in the security-type colour. The “All issuers” filter → “LUKOIL”, then “Reset all filters” and a scroll to “Income by year”.

On the phone: Accounts → “Brokerage account” → the “Issuers” tab: “Invested / Payouts”, issuer cards with the security type and the amount invested → the “Issuer” button and “Account income and yield”.

An investment account: brokerage or IIA

Investments are tracked on an “Investments” account type (see “Accounts”). Such an account has a subtype — brokerage or IIA — and a payout tax rate: 13 % by default for a brokerage account, 0 % for an IIA (both editable). The subtype and the rate are set in the account form; the rate is pre-filled into the tax field when you enter a payout, and an IIA additionally opens the tracking of deductions.

Issuers

An “Issuers” tab appears in the investment account card — between “Transactions” and “Analytics” (the account always opens on “Transactions”). It's a table of securities with a per-issuer filter (search + icons), a filter reset and an Issuer button. Every issuer card has an icon (from the shared searchable library of 416 glyphs — the same one categories, counterparties and projects use) and an optional link to a book counterparty: movements on the security then feed into that counterparty's analytics and filters.

Clicking a row opens the issuer card: positions, accumulated payouts for the period and the feed of investment operations. Trades are entered from here too.

The issuer card: positions at average cost, payouts for the period and the operation feed. The “Buy / Sell / Payout” buttons open the investment editor with the security pre-selected.

On the phone: “Issuers” → “Sberbank”: “Position value” (a hint while there is no quote), “Buy / Sell / Payout”, “Positions”, “Accumulated payouts”, “Yield by year”, “Transactions” → tapping a payout opens its form.

Colour here means the type of security

The investment section uses exactly three colours, and they answer the question “what is the money in”: shares, bonds, funds. “Who” is not colour-coded — two issuers holding shares merge into one segment, and that is the point: you want to compare classes of securities, not company names.

The colour runs through the whole section:

the account's share bar in “Accounts” is cut by type of security;
above the issuer table there is a summary “Portfolio composition” bar with a “type · share %” legend; it appears once the portfolio holds at least two types (a single full-width segment has nothing to compare against);
every row of the table carries the edge colour of the type the issuer has most invested in — readable even on a narrow screen where the avatar is squeezed;
the issuer card is painted in the same colour: the name row, the “Position value” amount and the line of the “Value over time” chart.

The shares of both bars are weighted by the amount invested, not by market value — so the portfolio composition is visible offline and before the first quote fetch. The order of the segments is fixed: the legend does not reshuffle from trade to trade.

The colour picker has been removed from the issuer form — an issuer is recognised by its icon, initial and name. If you used to pick a colour by hand, it is still in your data: the interface simply no longer reads it. The same colour axis works on the phone too — in the “cash / securities” bar of an investment account and in the security-type tiles of the issuer card.

The “Portfolio composition” bar above the issuer table: shares, bonds and funds with their percentages; the same three colours appear on the account bar in “Accounts” and on the issuer card.

On the phone, the “Securities” bar under an investment account in Accounts and under the account balance is coloured by security type, and each position tile takes its type colour: a bond for “OFZ 26238”, a share for “Gazprom”. There is no “type · share %” legend on the phone.

MOEX ticker — autocomplete from the exchange

The “MOEX ticker” field in the issuer card searches for the security in a daily market snapshot as you type: “luk” finds “LUKOIL · LKOH · Share · 3,998.50 ₽”. Picking a suggestion fills in the whole card — the name, the security type and, for bonds, the face value, the coupon type and size, the payment frequency and the maturity date. There's no need to retype the issue prospectus by hand; your own edits are not overwritten by the pick.

The list of securities lives in the cloud, so without a connected Svodly Cloud the field is disabled and the editor shows a “Connect Svodly Cloud” note. The rest of the issuer card is filled in as usual — the app does not reach out to the exchange for that.

Computer: “Accounts” → “IIA” → “Issuers” → “Issuer” → “MOEX ticker”: typing “26238” → the “OFZ 26238 · SU26238RMFS4 · Bond” suggestion → the pick fills in the name, the security type and the issue parameters: a “Fixed” coupon of 35.40 ₽ “twice a year”, a 1,000 ₽ face value, maturity 15.05.2041 → “Create” — the issuer is in the IIA list.

Phone: “Accounts” → “IIA” → “Issuers” → “Issuer” → “New issuer” → “MOEX ticker” → the search sheet: “26238” → “OFZ 26238 · SU26238RMFS4 · Bond” → the name, a “Fixed” coupon of 35.40 “Semi-annually”, the face value and “Maturity” 15.05.2041 are filled in → “Save”.

Buy, sell and payout

Trades are entered with a dedicated investment editor — the Buy / Sell / Payout buttons in the issuer card open it with the security already selected and the right operation kind. The fields depend on the type:

Security type — a share, a bond or a fund; quantity (fractional allowed), price, commission.
For bonds — the accrued coupon income (ACI) of this trade. The parameters of the issue itself (coupon type, size, payment frequency, face value, maturity date) are not asked for by the trade: they describe the security rather than the purchase and live in the issuer card — you set them when creating and editing it (and for securities from the Moscow Exchange they are filled in by picking the ticker).
For a payout — the gross amount, the tax percentage pre-filled from the account (13 % for a brokerage account, 0 % for an IIA), the net amount and a reference percentage against the invested amount.
When the tax is withheld depends on the security. For a dividend the broker withholds the tax immediately — the account is credited with the net amount. For a bond coupon the tax is settled at year end, and the account is credited with the full coupon — so you can reinvest all of it. That is why for a coupon the form's total shows the full amount, with a note below telling you how much tax the broker will withhold later. Either way the tax affects your return.

The operation amount is computed from the fields. The regular transaction form has no investment fields, and an investment account is an equal participant in it: commissions and other income/expenses are entered as usual, and topping up the account or withdrawing money is a transfer.

“Issuers” → “OFZ 26238” → “Buy”: the “Bond” type is filled in, 100 securities at 525.19 ₽ plus 1,240 ₽ of accrued coupon — “Debited from the account −53,759.00 ₽”. After “Create” the card shows a bigger position and “Invested”. Issue parameters are not part of the deal — they live in the issuer card.

On the phone: “OFZ 26238” → “Buy”: the “Bond” type is prefilled, 100 securities at 525.19 ₽ and accrued interest of 1,240 ₽ → “To be debited −53,759 ₽” → “Save”: “Positions” shows 140 securities, and “Transactions” the purchase.

Positions and the invested amount

From the operations the app computes the position using the average-cost method (not FIFO): quantity, average purchase price, the invested amount and the realized result of sales. The accumulated payouts are shown for the period — “all time” by default, with a custom range available; the total is what actually reached the account.

The cash trace of every trade is visible in “Transactions” and on the account's “Transactions” tab: a purchase debits money, a sale and a payout credit it (a coupon in full, a dividend net of tax). Clicking such a record opens the investment editor. Investment movements go into the account balance but not into the income/expense KPIs, the category analytics or the budgets.

Yields and YTM

The issuer card has a strip of annual yields: for each year with operations, the sum of net payouts and the percentage against the invested amount at year-end, laid out as tiles on one screen (the trend is visible without scrolling). For bonds with a fixed coupon it adds:

current yield — the annual coupon after tax divided by the average price (recomputed on every purchase);
yield to maturity (YTM) — an approximation when the face value and the maturity date are filled in.

Both are captioned with the formula. The “Issuers” tab has an “Income by year” summary for the whole account: payouts, the result of sales and the IIA deduction in separate columns, plus the annual yield.

Issuer yields: the strip of annual yields as tiles, the current yield and the YTM of a bond with the inputs behind them (average price, payout tax, maturity date), and the position with its face value.

On the phone: “OFZ 26238” → “Yield by year” and “Bond yield”: current and to maturity, the average price and the 13% tax → “Back” → “Account income and yield”.

Footnotes under the calculations

The “Issuers” tab and the issuer card end with footnotes. The ¹ mark by “Portfolio mix”, “Position value”, “Value over time” and “Income by year” points to the first: value and yield are calculated from your transactions — with fees, if you entered them — the latest closing prices and the “Payout tax” rate from the account settings; your broker may calculate differently, so check against its report. The second reminds you that the calculations are for reference only and are not an individual investment recommendation: you make your own trading decisions (section 6 of the License Agreement).

IIA deductions

On an IIA subtype account, deductions are tracked by year (year + amount). A deduction goes into the account's income and yield for the year as a separate breakdown line; a brokerage account has no such section. A deduction credits no money to the account — the actual receipt is entered as a regular top-up.

Add-on calculator

The bond card has a “What if” calculator: enter the planned quantity and price, and the app shows the new average price, the coupon per month and per year, and the new current yield. The calculator saves nothing — it's an estimate before a trade.

The “Add on” button in the yield card: enter the quantity and the price and you immediately see the new average, the coupon per month and per year, the new yield and the amount to be debited. Nothing is saved.

On the phone: “Bond yield” → “What if” → 50 securities at 480 ₽: the new average, the monthly and yearly coupon, the yield and “Top-up cost: 24,000 ₽” → “What if” folds the calculator away, and the position stays as it was.

Quotes and market revaluation

If an issuer has a ticker filled in and Svodly Cloud is connected, the card shows the last MOEX closing price and the market value of the positions: a “Position value” hero with the price date, the “Current price / Market” columns, “Profit” (the realized result of sales plus the unrealized revaluation), “Return (XIRR)” over the position's dated cash flows, and a “Value over time” chart with 1M / 6M / 1Y / All-time windows.

Prices are a daily snapshot from the server (at most one request per security per day), a local cache kept out of sync and export. Offline shows the last known price; with no ticker or no cloud — “—”, with no errors. The chart history accumulates from the first request of a security (it isn't backfilled): until there are fewer than two points, it's an empty state. The current yield and the YTM don't depend on quotes — they are computed from the average purchase price.

Market revaluation: the “Position value” hero with the price date, the “Current price / Market” columns, “Profit”, “Return (XIRR)” and the “Value over time” chart (1M/6M/1Y/All-time windows).

Phone: the “Brokerage account” card in “Accounts” shows “Securities” at market prices → the account → “Issuers” → “Sberbank”: “Position value” at closing prices, “Return (XIRR)”, and “Last price / Market value / P&L” under “Positions”. The phone has no “Value over time” chart yet.

On the phone

On the phone, investments live exactly where they do on the computer — in the investment account card: “Accounts” → the account → the “Issuers” tab (between “Operations” and “Analytics”); the separate hidden “Investments” section is gone. The issuer card shows positions, accumulated payouts and the operation feed. Trades are entered with three sheets — Buy, Sell, Payout: bonds ask for the ACI, while the parameters of the issue are set in the issuer card, just like on the web. The account subtype and tax rate are set in the account form, and IIA deductions are tracked by year.

The market is visible on the phone as well. The MOEX ticker is searched with suggestions — in a dedicated search sheet on the phone, in a popover next to the field on a tablet — and picking a security fills the issuer card in just the same way. An issuer with a linked ticker gains a “Position value” hero with the closing-price date, the XIRR yield and the “Current price / Market / Profit” figures on the position rows. On the investment account card in the “Accounts” list a “cash / securities” bar replaces the sparkline — the same second figure as on the computer. Quotes are pulled once a day when the app starts and when the cloud is connected.

The “Value over time” chart and the issuer-to-counterparty link are still being ported to the phone. The yields and the add-on calculator are computed with the same formulas as on the computer, so the numbers match.

Where to go next

Accounts — how to create an investment account and set the brokerage/IIA subtype.
Analytics — why investment movements don't distort income and expenses.
Sync — what the cloud adds: MOEX tickers and market quotes.