Most Gylder users are in the app for about ninety seconds a day. Net worth, what moved, close the tab. Investments was the one screen that never fit into them. The numbers were there, but finding the one you came for took longer than opening your broker's app. That is the screen this release rebuilds.
Investments, rebuilt
/analysis/investments is a single dashboard with three tabs now, and one filter runs through all of them.
Overview opens with a diversification donut. Pick a dimension and the donut redraws: currency, exchange, security type, broker, or your own tags as a strategy. Click a slice and it becomes your filter. The holdings table narrows to it, the other tabs follow, and "how did my crypto do next to my ETFs" becomes two clicks instead of a spreadsheet.
That table has fourteen columns to choose from: quantity, value, price, average cost, cost basis, unrealised, return, realised, weight, yield, yield on cost, dividends over twelve months, thirty-day move and holding period. Your selection is remembered. Below it, collapsed, are your closed positions, which keep a column choice of their own, because a position you sold raises different questions from one you still hold.
Performance leads with the chart, indexed against a benchmark you pick: S&P 500, MSCI World, EURO STOXX 50 or STOXX Europe 600. Drag across it to zoom into a window, or type the dates. Under the chart sits a grid of twelve risk measures, both standalone and against the benchmark, each with its explanation beside it. Then a month-by-month heatmap, with a year column that compounds those months. Last come the return drivers: which positions produced the return, and how many percentage points each one contributed.
Dividends opens with income, gross and net, and the yields underneath. Then expected annual income over time, including the real step-downs where a payout was cut. Then monthly bars for what arrived and what is still expected, and a payout schedule. Income and the per-holding table follow your filter; the time series cover the whole portfolio. There is an inflation field if you want future income in today's money. It defaults to zero. We are not going to guess an inflation rate for you.
Two controls sit above all three tabs. A date field rebuilds your portfolio as it stood on any past day, from your own trades rather than a saved snapshot. It applies to Overview and Performance; Dividends steps aside and says so, because expected income has no honest answer for a day that has already happened. Along the bottom runs a ticker carrying every holding's seven-day return, which you can drag, flick, or click straight through to the position.
Tax and estate planning, visible and empty
Analysis is three sections in the sidebar now: Investments, Tax efficiency, Estate planning. The last two are deliberately empty. Tax efficiency will carry realised gains by year, dividend withholding tax and Box 3 context. Estate planning will hold beneficiaries, an inheritance projection and executor notes.
Both stay descriptive. They will show you what your situation is, never what to do about it. We would rather you see what is coming than be surprised by it.
More of what you own is measured properly
Manual holdings are proper investments now, with a value line of their own rather than one flat number. Your home is measured on the equity you actually have in it, which keeps the house gaining value separate from you repaying the mortgage. Crypto gets cost basis and unrealised result on the same footing as securities.
Crypto history also reaches back further than your exchange does. If you have held Bitcoin since 2017 but bought it somewhere whose prices only start in 2021, those four missing years fill in overnight from a second source, underneath your exchange's own data rather than mixed into it.
Commodities come from a picker now, with Brent crude alongside the metals, each priced in the unit that suits it.
Assets and liabilities read like a statement
/assets and /liabilities were lists. They are statements now: the headline figure with its change, the two figures you have to read it against, a composition strip, then the ledger.
The composition strip is also the filter. Every row shows the amount and the share it filters to, so reading the split and choosing a view are one gesture. Click the active row again to clear it. On liabilities the header carries what you owe each month, which is the number that actually governs a debt. And a holding's own page now opens with the accounts it sits in, with its transactions below.
Around the app
- Saved filters get a face. Pick an icon and a colour for each one. Five pinned filters in the sidebar used to be five identical bookmarks, in the one place where you navigate by shape rather than by reading.
- Settings is a section. The ten flat rows are grouped now, and on desktop the sub-pages keep a rail on the left, so you can move between them without going back.
- Profiles get an avatar. An icon of your choice or your initials, in the same restrained colours as tags and filters.
Underneath all of that sits a long tail of smaller improvements, much of it on data quality for linked securities and assets, plus the usual round of fixes.
What's next
Direct bank connections. Most of the team is on them, and they are scheduled for later this year. That is the piece that makes the ninety seconds hold up: balances that arrive on their own, with nothing to import.
If something here does not behave the way you expect, tell us. We read everything.
