# Investments and assets

URL: https://docs.clatri.com/en/finance/investments/

> How Clatri tracks investments and assets: CDs, stocks, crypto, interest, investment events, depreciation and where they show up in your balance sheet.

## Investments

An investment in Clatri is any instrument where you put money expecting a return — whether fixed or variable. The system supports 10 types:

| Type | Examples |
|------|----------|
| CD | Certificates of deposit |
| Bonds | Corporate bonds, government bonds |
| Savings bonds | National savings bonds |
| Stocks | Individual stocks on an exchange |
| ETF | Exchange-traded funds |
| Mutual funds | Collective investment funds |
| Crypto | Bitcoin, Ethereum, any cryptocurrency |
| Real estate funds | REITs |
| P2P loans | Lending platforms |
| Other | Any other instrument |

### Value and return

Each investment records a **starting value** (how much you put in) and a **current value** (how much it's worth today). Gain or loss is calculated automatically — both in amount and in percentage. If you invested 5 million in a CD and today it's worth 5.3 million, you see +300k (+6%).

For stocks, ETFs, and crypto you can record the **ticker** (AAPL, BTC-USD) and the quantity of shares or units. The system validates tickers against Yahoo Finance.

### Interest and fixed-income return

Fixed-income investments (CDs, bonds, savings bonds) can have **simple** or **compound** interest with **monthly** or **annual** rate — the system converts between them automatically. If your CD pays 1% monthly or 12.68% annual, you enter whichever you have.

When the rate is greater than zero, auto-calculation of interest is enabled by default. Clatri applies interest per the configured frequency (daily, monthly, or annual) and keeps a record of accrued interest since the last close.

### Investment events

Every relevant movement is recorded as an event:

- **Contribution** — you add more money to the investment
- **Withdrawal** — you take money out of the investment
- **Dividend** — you receive a payment for your investment
- **Price update** — the market value changed
- **Accrued interest** — the system applied interest

Each event records the previous value, the new one, and the difference. If a year from now you want to know how much you received in dividends or how much you contributed in total, the information is in the history.

### When the contribution comes from the bank

If the contribution to your investment arrives through a [statement](https://docs.clatri.com/en/finance/statements/) or through [open banking](https://docs.clatri.com/en/finance/open-banking/), Clatri sees that money left your account but can't know which investment it was going to. It doesn't guess: the movement sits in a bridge account and waits in the **[To assign](https://docs.clatri.com/en/finance/assign/)** tray until you connect it to the real investment.

Connecting it **doesn't create a second movement**. The money already left when the bank reported it; assigning it only says where it went.

And there's something worth being clear about: **contributing to an investment isn't an expense**. It doesn't touch your [Income statement](https://docs.clatri.com/en/finance/reports/). You're not losing that money, you're changing its form — it leaves your account and enters your investment, both items on your [Balance sheet](https://docs.clatri.com/en/finance/reports/). What does go through the income statement is the **return**: interest, dividends, appreciation.

### Risk level and maturity

You can classify each investment by risk level (very low, low, medium, high, very high) and define a **maturity date** for fixed-income instruments. The system alerts you when maturity approaches.

### In the reports

Investments are items on the **[Balance sheet](https://docs.clatri.com/en/finance/reports/)**: they're things you own, not things you earned. The total value of your portfolio is added to your assets, together with your accounts and your property, and shown per currency.

---

## Assets

An asset is something of value where you don't expect periodic financial return — your apartment, your car, work equipment, a web domain. You record it to have a complete picture of your net worth.

Available types:

| Type | Examples |
|------|----------|
| Real estate | Apartment, house, retail space, land |
| Vehicle | Car, motorcycle, bike |
| Physical | Computer, equipment, machinery, appliance |
| Digital | Web domain, software license, NFT |
| Other | Any other property |

The **type** is a descriptive label, not an accounting category. It helps you recognize your things at a glance; it doesn't decide where anything is recorded. What decides that is the **[chart of accounts](https://docs.clatri.com/en/finance/chart-of-accounts/)**, the only accounting taxonomy there is. Marking a car as "Vehicle" instead of "Physical" changes how you see it, not how it's accounted for.

### Value and depreciation

Each asset records a **purchase price** and a **current value**. The difference tells you how much it has depreciated or appreciated. A car you bought for 60 million and is now worth 45 shows a 25% depreciation. An apartment you bought for 200 and is now worth 250 shows a 25% appreciation.

Value updates are manual — you decide when to adjust based on appraisals, market, or your judgment. Clatri doesn't depreciate automatically.

### Documents

You can attach documents to each asset: main image, purchase invoices, warranties. If you need the invoice for your computer in 2 years, you'll find it directly in the asset.

### Quantity and location

Assets support quantities (10 chairs, 3 monitors) with unit of measure (unit, kg, m²), physical location, and SKU code. Useful if you keep inventory for a business.

### On the balance sheet

Assets add to the **[Balance sheet](https://docs.clatri.com/en/finance/reports/)** as property, separate from liquid assets (accounts) and investments. This gives you a complete view: how much you have in the bank, how much in investments, and how much in property.

Just like investments, they're things you own — not things you earned or spent. That's why they live on the Balance sheet and not on the [Income statement](https://docs.clatri.com/en/finance/reports/).