Before you start
Use the summary cards when you want a fast read of the selected portfolio before opening details. The cards are useful because they separate assets, liabilities, net worth and review count. They are not enough on their own: you still need to check Held Away status, stale values and the records behind any number that looks surprising.
Detailed steps
Confirm the active portfolio and Held Away status
Start at the top of Net Worth. Check the portfolio name first, then read the Held Away banner. If Held Away is encrypted and excluded, the cards show visible portfolio data only. Include Held Away only when you intentionally want private values visible in this browser session.
Read net worth, assets and liabilities together
Read the Net worth card together with Assets and Liabilities. Net worth is not a standalone balance; it is the result of visible assets minus visible debts. If assets are high but liabilities are also high, the net worth card gives you the actual equity-style result.
Use Assets to understand what makes the asset number
Open the Assets cockpit tab when the asset total needs context. The asset card tells you the total and tracked position count; the Assets tab explains whether the total is mainly real estate, public markets, cash or another category.
Use Debts before judging the portfolio as healthy
Open the Debts cockpit tab when liabilities are material. A portfolio can look large on the asset side and still have high leverage, refinancing risk or payment pressure. If a debt category looks wrong, open Debts and check the exact rows.
Read liquidity before treating net worth as usable money
Open Liquidity before deciding what capital is available. Locked real estate, private investments and collectibles can be valuable but not spendable. Use accessible value for near-term thinking and total net worth for balance-sheet context.
Open Largest positions when a card number looks surprising
Use Largest positions to connect headline cards to actual records. Check asset name, location or category, liquidity, invested amount, owned value and source. If one row explains most of the portfolio, open that record before relying on the summary.
Field guide
Visible assets minus visible liabilities.
Use it as a balance-sheet total, not as available cash.Total visible asset value in the active portfolio.
Open Assets when the total needs record-level evidence.Total visible debt and credit exposure.
Open Debts when balances, rates or payments need review.Open checks that may affect confidence in the portfolio.
Open it before relying on flagged data.Privacy state for protected private assets.
If protected, private values are intentionally excluded.How many records feed the cards.
A small count can mean the portfolio is incomplete.Cash-like or near-term liquidity.
Use it before deciding what can fund a plan.Records most responsible for the totals.
Review them first when something looks wrong.Decision rules
What it adds
- Gives a fast read of the current balance sheet.
- Helps identify whether the next task is data cleanup, planning or review.
What it does not do
- Summary cards depend on the latest saved records and available FX/market data.
- They are not audited statements.
Common mistakes
What to check
- A good-looking net worth number can still hide stale values.
- Check private exclusions when Held Away is locked.
Reading net worth without checking the active portfolio.
Forgetting that Held Away may be excluded.
Treating total net worth as spendable cash.
Ignoring liabilities because the asset card is high.
Assuming a low review count means every value is current.
Skipping Largest positions when one record drives most of the balance sheet.
Comparing two portfolios without checking their base currencies and included records.
After you save
- Open Assets when the asset total needs explanation.
- Open Debts when the liability total needs explanation.
- Open Capital Review when the review count is not zero.
- Open Forecast when liquidity or debt service affects planning.
- Update stale records before using the cards for decisions.
- Keep Held Away protected unless you explicitly need a private full-net-worth view.