Investments and assets
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 or through 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 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. 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. 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: 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, 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 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.