Update investments using a spreadsheet

If you have many investments that need to be entered or updated manually, you may want to update from a spreadsheet instead. A button is provided above your ACCOUNTS list to do that. In most cases you don’t need this features since:

1. If most of your investments are ones with tickers (stocks, mutual funds, or ETFs) that we track with FUNData, then you do not need this feature as your investment values are updated nightly automatically.
2. You also do not need this feature if your accounts are linked to Wealthica. You can update from Wealthica to get their updated values from there anytime.
3. The View Investments in all Accounts also allows you to update the Shares, Market value, Book value, yields, and fees of your entered investments on one screen. This feature is similar to that.

Most financial institutions allow you to download your investment values into a comma-separated (csv) or other file format than you can get into a spreadsheet program to view it. You may also be updating your values manually in a spreadsheet program and want to use that to update your investments in the MoneyReady App. Once you have your data in a spreadsheet program like Excel, Google Sheets, or Numbers, you can import that data to update your investments in the MoneyReady App. You will need to set up the spreadsheet as described below, then simply copy the rows of the spreadsheet and paste them into the box provided. Do not change the data pasted in the box. If there is an error you need to correct, do it on the spreadsheet and copy/paste again.

The first row of the spreadsheet must contain column headers. The columns can be in any order. The following column headers are required:

1. ACCOUNT (or Account, Account number): The name of the ACCOUNT the investment belongs to in the MoneyReady App. This account must already have been entered in the app.
2. NAME (or Description, Investment): The name of the investment as entered in the app.
3. SHARES (or Quantity).
4. MARKET VALUE (or Market Value, Market value).
5. BOOK VALUE (or Book Value, Book value, Book Cost, Book cost).
6. DATE (or Valuation date). This column is not strictly required as the valuation date of any investment will default to today's date if none is entered. All dates should be in YYYY-MM-DD format.

Adding investments that are not currently added in the app requires the Account that holds them to have been entered in the app first.

Additional column headers may be required for new investments:

1. TYPE. Allowable types in lowercase are: cash, currency, crypto, portfolio, stock, etf, us etf, mutual fund, seg fund, mmf seg, mmf, bond, gic, term, other.
2. CURRENCY (or Currency, currency). Use the 3-letter code (i.e. CAD, USD, EUR, JPY). This is the base currency of the investment.
3. SYMBOL (or Symbol). Stock ticker, Canadian mutual fund code, or cryptocurrency symbol.
4. TERM (or Term). For GICs, Bonds, and Term deposits, the original term of the investment in years.
5. MATURITY (or Maturity). For GICs, Bonds, and Term deposits, the maturity date of the investment. YYYY-MM-DD.

Other columns considered are optional, and if set, the values will modify the current values of the investments:

1. YIELD_income. Expected income (interest) yield (% per year).
2. YIELD_dividend. Expected stock dividend yield (% per year).
3. YIELD_cap_gain. Expected capital growth rate (% per year)
4. YIELD_realised_cap_gain. Expected realised capital gain distributions yield. (some ETFs and Mutual Funds, % per year).
5. YIELD_return_capital. Expected return of capital distributions yield (some ETFs and Mutual Funds, % per year).
6. REINVEST? Whether distributions are automatically reinvested (True or False).
7. RISK. On a scale of 1 to 20.
8. FEE TO BUY. $ cost of buying the investment. For the Cash investment of an account it is the $ fee to deposit to that account.
9. %FEE TO BUY. If the fee to buy the investment is a percentage of its value. For the Cash investment of an account it is the account maintenance fee ($ per year).
10. FEE TO SELL. $ cost of selling the investment. For the Cash investment of an account it is the $ fee to withdraw from that account.
11. %FEE TO SELL. If the fee to sell the investment is a percentage of its value. For the Cash investment of an account it is the account maintenance fee as percentage of the account balance (% per year).
12. FEES_MER. The Management Expense Ratio of the investment.
13. FEES_MER_reduce. Set to True if the MER will reduce the investment's growth. Set to False if the expected yields entered for the investment already consider the MER.
14. IGNORED? (or IGNORE). Set to True to ignore the investment in the TIME MACHINE.
15. NOTE (or Note). No line breaks. Make it short (<280 characters).

• For investments previously entered in the app, all these columns, when present, will update the investment's values.
• For investments previously entered in the app that are not present in the spreadsheet, the investments in the app will not be updated or deleted. You can delete them manually in the app as required.
• For investments not previously entered in the app, they will added to the app given the information entered in the spreadsheet. You will need to review all newly entered investments, as default values will be automatically entered for the columns that are optional if that information is not entered.

The procedures for you to create the spreadsheet and then for us to parse the data are complicated and error-prone. In most cases, it's not required as mentioned above. If you do use this feature, please be patient with it, and let us know if you have any problems, questions, or feedback.