Investment cost basis, gain/loss, income, and performance

See cost basis, unrealized and realized gain or loss, investment income, XIRR and time-weighted return where data supports them, and allocation by asset type.

Plans: Personal Wealth (prelaunch)
Availability: Rolling out in prelaunch
For: Personal
In KontoCore: Personal → Investments (WealthKraft) → Performance · Allocation

What this does

Cost basis comes from recorded buys and sells using the method shown on the page (labeled on every figure). Unrealized gain/loss compares basis to the latest entered value; realized gain/loss comes from sells.

XIRR (money-weighted) and TWR (time-weighted) are shown only when dated cash flows and valuations are complete enough; otherwise the page says data is insufficient instead of estimating.

Allocation groups holdings by asset type and account type (taxable vs tax-advantaged). There is no market benchmark comparison.

How to

Review

1Open Investments → Performance and choose account(s) and period.
2Check the method label and any data-gap notes.
3Open Allocation for breakdowns.

Methods and limitations

Figures are factual calculations from data you entered or imported, not tax lots reported by a broker.
Missing prices, transfers in without basis, or incomplete activity reduce accuracy and are flagged.
Not tax reporting — use broker statements for filing.

Corrections, voids, and reversals

Fix activity or valuations and figures recalculate.

Audit trail

Calculations are reproducible from the listed records.

Availability and provider notes

Built – unverified: this workflow exists in the prelaunch product but has not yet completed human certification. Review results before relying on them.
Market benchmark data: Planned. Live prices: Provider connection required.
KontoCore Personal and WealthKraft organize your own records. They do not give investment, tax, or financial advice and do not place trades or move money.

Permissions

Household owners and members with edit access can change records; view-only members and trusted helpers see only what their scope allows.

What happens in your books

Read-only calculations from your records. Market value changes on investments, property, or vehicles are valuations — they change net worth, not household income or spending.

Common mistakes

Comparing XIRR and TWR as if they measure the same thing.

Troubleshooting

Performance shows insufficient data

Add missing valuations or opening basis for transferred-in holdings.

Manual investment transactions, contributions, and distributionsRecord buys, sells, dividends, interest, fees, contributions, and distributions by tax year for investment accounts, keeping transfers separate from income.WealthKraft manual holdings and securitiesAdd investment accounts and holdings by hand — security, quantity, and price — for taxable and tax-advantaged accounts, without a live provider connection.WealthKraft investments: what’s live and what needs a providerTrack investment, brokerage, and retirement accounts with manual balances and valuations today; live aggregation requires a provider connection. Read-only — no trading or advice.Retirement overviewSee retirement accounts, recurring retirement income, reserves, obligations, and distributions in one view. Projections and what-if scenarios are planned, not live.

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Last reviewed October 6, 2026