Before you start
Use Real Assets for tangible holdings that belong in visible portfolio views: real estate, land, vehicles, precious metals, collectibles and valuable objects. Keep gross asset value separate from debt, and use Held Away instead when existence, location or access details should remain protected.
Detailed steps
Open Assets > Real Assets
Start in Real Assets and check whether the property, vehicle, metal position or object already exists. Update existing records instead of creating duplicates.
Choose the real-world asset type
Open Add Capital Item and choose the specific Real Assets option. Real Estate, Precious Metals and Collectible / Object each have different field expectations and privacy considerations.
Verify the saved row in Real Assets
After saving, check the table row for name, source, subtype, amount invested, owned value, liquidity and gain or loss. If the row is surprising, open details before relying on Net Worth.
Keep property value and mortgage debt separate
Open property details to review owned equity, gross property value and linked mortgage status. Do not subtract a mortgage manually from property value and then also add the mortgage in Debts.
Use Precious Metals for visible metal positions
Choose Precious Metals for visible bullion, coins or allocated metal holdings. If custody route, storage location or recovery instructions should stay private, use Held Away > Private Metals instead.
Use Collectible / Object for visible valuables
Choose Collectible / Object for visible art, watches, jewellery, cameras, wine or other valuable objects. Keep exact location and access instructions out of ordinary notes.
Return to Net Worth after material changes
Open Net Worth after adding or editing a material real asset. Confirm assets, allocation, liquidity and review count changed as expected. Real assets are often locked, so check liquidity before planning from the value.
Field guide
The visible value counted in Assets and Net Worth.
Use a source-backed value and update the valuation date.Original cost or capital put into the asset.
Keep it separate from current value.Evidence type behind the value.
Do not call an estimate an appraisal unless it is one.How quickly the asset can realistically become cash.
Real assets are often locked because sale timing matters.Debt connected to a property.
Keep debt in Debts and link it when the relationship is real.A record shown in normal portfolio views.
Use Held Away when privacy is required.Visible context for review.
Avoid exact storage locations and access instructions.Decision rules
What it adds
- Keeps tangible wealth inside the same allocation and liquidity view.
- Supports better debt review when mortgages or loans are linked.
- Clarifies what is owned directly versus through an entity.
What it does not do
- Estimated values are not appraisals.
- Local taxes, selling costs and liquidity discounts are not automatically deducted.
- Ownership disputes or title issues are outside the app.
Common mistakes
What to check
- Use conservative valuations for assets that are hard to sell.
- Separate personal-use assets from investment assets when reviewing liquidity.
- Add notes for appraisal source and assumptions.
Entering property value net of mortgage and also adding the mortgage.
Using purchase price as current value without checking current evidence.
Putting private location or custody information into ordinary notes.
Marking hard-to-sell real assets as daily liquid.
Combining assets with different ownership, debt or location into one row.
Using Real Assets when the asset should be protected Held Away.
Ignoring valuation date after market or appraisal changes.
After you save
- Check the Real Assets table row.
- Open More details and verify value, ownership, liquidity and linked debt.
- Open Value and check valuation date and method.
- Open Net Worth to confirm the balance sheet effect.
- Add or link debt separately when the asset is financed.
- Move sensitive holdings to Held Away when privacy requirements are higher.