Holdings & Investments

The Holdings tab is where you record individual stocks, ETFs and mutual funds. What you get in return is the breakdown, live prices, and gain or loss against your cost basis.

1. Open the Net Worth page and switch to the Holdings tab.
2. Tap Add Holding.
3. Choose the holding type, such as stock, ETF or mutual fund.
4. Search for the symbol - VFV, XEQT, AAPL - and pick it from the autocomplete results.
5. Enter the number of shares you own.
6. Enter your average price per share, which is your cost basis.
7. Choose the holding’s currency if it differs from your default.
8. Save.

Cadence pulls live quotes and refreshes them about every five minutes, so the displayed value is your share count multiplied by the current price, converted to your currency.

The one exception to live pricing is a GIC-type holding, which has no ticker to price and so uses the value you recorded.

Cadence supports the Canadian registered account types most people use day to day. These exist as separate financial-account types you track by balance - they are not a label on individual holdings. A holding has no account or wrapper field, so it is not tagged with the registered account that holds it.

To represent a registered account, add it as its own balance-based account rather than looking for a wrapper option inside a holding. The tax treatment happens outside Cadence, but tracking each registered account separately makes it easier to plan around contribution room and to reason about which accounts to draw on first. See Tracking Contribution Room.

Two ways to keep a manual holding accurate, and they suit different needs:

• Recompute the average. Take the total cost across all shares, existing plus new, and divide by the new total share count. Better if you want your numbers to match your tax paperwork at year end.
• Replace with a snapshot. Overwrite the share count and average price with whatever your brokerage statement shows today. Faster, and usually fine if you do not need exact gain/loss tracking.

Every holding is entered by you. Cadence does not download your positions from your brokerage. Connecting an investment account through synced accounts brings across the account balance and its transactions, not the list of securities inside it.

So the two work together rather than as alternatives. Sync the account and its balance keeps your net worth current on its own. Add the holdings as well and you get the portfolio breakdown, live prices and gain/loss on top, without either one double-counting the other.