Synced Investments

An ordinary Synced Bank link brings balances and transactions. Tick a brokerage during one of those and you get the account balance and its cash activity, and nothing at all about the securities inside it.

Positions come from a different product at Plaid, the service that handles the connection, and Plaid charges for that product per connection - permanently. Once it is switched on for a connection it cannot be switched off again; the only way out is to remove that connection entirely.

So Cadence gives it its own connection rather than adding it to a bank link you already have. If investments were folded into your everyday bank connection, backing out of investments later would mean disconnecting that bank - and losing the transaction history that came with it. Kept apart, you can drop either one and keep the other.

Cadence counts connections, not banks. One bank link is one. One Synced Investments link is one. They share the same pool.

For a Cadence+ account that means linking one brokerage leaves two slots for banks rather than three. And because the brokerage is a separate connection, linking investments at a bank you have already connected costs a second slot even though it is the same institution.

Reconnecting a connection, or adding more accounts to one you already have, costs nothing - neither creates a new connection.

The rail is open to Cadence+ and Cadence Premium, the same two plans that include bank syncing. The difference is what happens when billing goes wrong, because every link here starts a charge that cannot be undone without removing the connection.

• A past-due or cancelled subscription pauses every kind of syncing, banks included, until it is settled.
• A subscription the app store has put on hold or paused keeps your banks syncing, but is refused a new Synced Investments connection until it is healthy again.

Existing connections are not torn down while you sort billing out. What is withheld is the ability to start another one.

1. Tap the + button on any page and choose Connect Investments.
2. The first time, this opens the institution search straight away. It lists only institutions that support investments, which is a much shorter list than the bank search.
3. Sign in and approve whatever your brokerage asks for.
4. Choose the accounts to bring across. Take all of them if you are unsure - several registered accounts at one brokerage is normal, and it is easy to under-select here.

Once you have at least one, the same menu entry opens Connect Investments instead: a Connect new investments button at the top, then Or manage existing and a row per brokerage you have already linked. Each row offers one of two things:

• Reconnect - for a brokerage whose sign-in has expired, shown first and flagged as needing attention.
• Add accounts - to include accounts at that brokerage you did not tick the first time.

A Synced Investments connection brings across balances and positions. It is never asked for transactions, and that is a deliberate restriction rather than a limitation of the brokerage.

At some institutions, asking a connection for transactions adds that product to it - and Plaid cannot un-bill a product once added. Asking would therefore commit you to a second permanent charge on a connection you set up for positions. Cadence does not ask.

If you want the cash activity in a brokerage account as well, link that institution as an ordinary Synced Bank connection too. That is two connections, and two slots.

Each sync brings, for every position your brokerage reports:

• The security, with its ticker and exchange where there is one.
• How many shares or units you hold.
• The institution’s own price and value for the position.
• The cost basis, when your brokerage reports one. Many do not, and a position with no basis simply shows no gain figure rather than pretending it was acquired for nothing.

Cadence also records what each position is worth once a day, which is what draws the value history and the daily and 30-day change on a card. That series starts the day you link - there is no historical holdings data to backfill, so a new connection has a short line before it has a long one.

Synced positions land on the Holdings tab of the Net Worth page, in the same list as any you have entered by hand. A small marker under the name is what tells the two apart; everything else - the allocation chart, the totals, the returns chart - treats them as one portfolio.

A card is one security, not one account. If you hold the same fund in an RRSP, a TFSA and a margin account, that is one card with the total share count, and the accounts behind it are listed on the card’s detail view. Manual holdings are covered in Holdings & Investments.

The figures belong to your brokerage and Cadence will not let anything overwrite them. What is yours is how the position is labelled and whether it is on show.

Renaming is an override, not a replacement: clear the field and the position goes back to the name your brokerage uses, and starts following any future rename by them again.

Archive takes a position out of your portfolio totals and card list without losing anything - its recorded value history is kept, and you can restore it later. There is deliberately no Delete on a synced position: the row belongs to the brokerage, and the next sync would simply write it straight back. Archive is the control that does what deleting looks like it would do.

This is a normal thing to do - the bank connection for the cash activity, the investments connection for the positions - and it needs one piece of housekeeping, which Cadence does for you.

The second connection hands back its own copy of accounts you already have, so the same money would be counted twice in your net worth. Cadence marks the duplicate copies as not counted, and Settings → Connected Banks is the one place they stay visible, badged Not counted and Already synced by another connection. Every other screen and every total leaves them out.

The holdings themselves are not affected. They are the entire point of the connection, and they count toward your portfolio exactly as they should - it is only the duplicated account balance that is held back.

Settings → Connected Banks lists your brokerages alongside your banks and manages them identically. The menu on a row offers Add Accounts, Force Refresh and Disconnect, with a Reconnect button appearing on any connection that needs attention. The one thing it cannot do is create one: Connect a Bank only ever starts a bank link, so a new brokerage goes through the + menu.

If a brokerage stops updating, the usual causes and fixes are in Troubleshooting Connections.