Investment Portfolio Analysis: Knoware turns all that information into answers. Without building another spreadsheet.
Your Investments Have a Story. Let's Get Into It.
Net Worth
$ 742,918.44
$ +1,939 (+0.3%)
since Yesterday
From Sep 30
Last updated Today
Available Cash
$ 29,789.17
Across all cash accounts
$ 27,304
available after upcoming obligations
−
$ 2,486
due in the next 14 days
Chase Bank
Everyday Checking ••4021
$ 1,182.45
Chase Bank
High-Yield Savings ••7788
$ 28,606.72
American Express
Platinum Card ••1009
$ -4,215.88
and 4 more accounts
Need to know
Projected cash shortfall
Your Everyday Checking is projected to fall $ 963 below zero on Oct 31.
Fix this
Spending is running high
Restaurants are 34% above your usual monthly pace.
See spending
$ 19,429 in savings could be working harder
That's more than you need for near-term cash flow, so some of it could be earning more elsewhere.
See options
This Month's Spend
Current spend
$ 4,511
↓ 13% vs usual
Spending Pace
$ 250.59
/ day
Trending lower
Housing
$ 2,380
Groceries
$ 812.44
Restaurants
$ 486.10
Transportation
$ 312.75
and 3 more
Investments
Portfolio value
$ 412,680
Investment return
+11.2%
Real return
+8.4%
After deposits, withdrawals, inflation and currency movements.
+11.2%
Investment return
+8.4% after inflation
Benchmark +8.7%
What drove your return
Equities
$ +28,136
Fixed income
$ +4,965
Currency movement
$ +5,334
Fees
$ -1,100
Inflation
$ -9,334
Your investments earned
$ 37,335
Deposits and withdrawals excluded. Currency effects included.
Budget
Safe to spend
$ 2,840.00
$ 5,326
budget remaining
−
$ 2,486
still needed for expected expenses
You're on track
About $ 237/day available for the rest of October.
$ 9,836
monthly budget
$ 4,511
spent
$ 2,486
expected
$ 2,840
safe
Upcoming Payments – next 14 days
Oct 31
Mortgage Payment
Chase Bank · Everyday Checking ••4021
Transaction Amount
$ -2,145.00
Projected Balance
$ -962.55
Nov 1
Acme Corp Payroll
Chase Bank · Everyday Checking ••4021
Transaction Amount
$ +3,250.00
Projected Balance
$ 2,287.45
Nov 3
Verizon
Citibank · Rewards Visa ••6512
Transaction Amount
$ -94.20
Projected Balance
$ -1,186.65
Nov 5
State Farm
Chase Bank · Everyday Checking ••4021
Transaction Amount
$ -186.40
Projected Balance
$ 2,101.05
Nov 7
Planet Fitness
Citibank · Rewards Visa ••6512
Transaction Amount
$ -24.99
Projected Balance
$ -1,211.64
and 2 more
Transactions
Needs Attention (12)
Bridgehead Coffee
Today
Rewards Visa ••6512
$ -4.85
Farm Boy
Yesterday
Everyday Checking ••4021
$ -62.40
Needs Attention
Amazon
October 27
Platinum Card ••1009
$ -128.00
Acme Corp Payroll
October 26
Everyday Checking ••4021
$ +3,250.00
Shell
October 25
Rewards Visa ••6512
$ -89.12
and 3 more
See your entire financial picture in one view.
Your investment account went from $80,000 to $100,000.
Looking good, right?
But what if you deposited $15,000 along the way?
Suddenly, that $20,000 increase doesn't look quite the same.
And what about the timing of those deposits? The fees you paid? Currency fluctuations? Inflation?
Because watching your portfolio grow and understanding how well your investments performed are two very different things.
Knoware goes beyond tracking investment balances. It uses established financial calculations to examine performance, account for cash flows, and show you what's actually driving your returns.
And with Knoware's Explain This feature, you can see exactly how those calculations were reached. No more wondering where the numbers came from.
Your investments are working hard. Shouldn't your financial software be doing the same?
Investment Portfolio Analysis: What do you actually get with Knoware?
What you want to understand
How Knoware helps
What you want to understand
How well your investments performed
How Knoware helps
Calculates time-weighted and money-weighted returns to help distinguish investment performance from the effects of contributions and withdrawals.
What you want to understand
What your deposits and withdrawals changed
How Knoware helps
Examines cash flows and their timing, so you can understand how money moving in and out of your portfolio affects performance.
What you want to understand
What fees are costing you
How Knoware helps
Accounts for fees when analyzing investment performance, helping you see how much they're affecting your returns.
What you want to understand
How currency affects your investments
How Knoware helps
Examines currency movements and their impact on investment values and performance.
What you want to understand
Whether inflation changes the picture
How Knoware helps
Helps you understand your returns in the context of inflation, not just the percentage on your statement.
What you want to understand
Where the numbers came from
How Knoware helps
Explain This breaks down investment calculations so you can see how the results were reached.
Your portfolio balance is not your investment return.
Here's something that's easy to overlook.
When you check your investment account, you're usually looking at the total value of everything in it.
That includes the money you've contributed, the money you've withdrawn, and whatever your investments have gained or lost.
But even subtracting your deposits doesn't necessarily tell you how well your investments performed.
Why?
Because timing matters.
Money invested in January has almost a full year to grow. Money deposited in December has a few weeks.
And withdrawals can change the picture again.
That's why investment performance isn't as simple as comparing two account balances.
Knoware looks at the money moving in and out of your portfolio, and when those transactions happened, to help you understand the difference between growing your account and earning a return.
Time-weighted vs. money-weighted returns. Yes, there's a difference.
Two people could own exactly the same investments and walk away with different returns.
Not because one picked better stocks.
Because they invested different amounts at different times.
Time-weighted return focuses on how the investments performed, reducing the influence of when you added or withdrew money.
Money-weighted return considers the amount and timing of your contributions and withdrawals. It gives you a different perspective: how your invested money performed over time.
So which one should you look at?
Depends on what you're trying to understand.
Want to know how your investments performed independently of your contribution timing? Look at time-weighted return.
Want to know the return associated with your own investment cash flows? Money-weighted return is useful.
Neither tells the whole story on its own. That's why Knoware gives you both.
Your investments made money. But how much did you actually keep?
A positive investment return is good news.
But before you celebrate, there are a few things worth looking at.
Fees. Those seemingly small percentages can add up over time.
Currency. If you hold investments in another currency, exchange-rate movements can work for you or against you.
Inflation. Your investments might be worth more in dollars, but what can those dollars actually buy?
A 7% return sounds pretty good.
But if inflation was 3%, your purchasing power didn't grow by 7%.
Knoware helps you examine these factors instead of leaving you to piece everything together from statements, spreadsheets, and a calculator.
Because a good-looking return isn't necessarily the same as a good return.
Show me the math. Seriously.
Ever looked at an investment return and wondered where that percentage came from?
You shouldn't have to take it on faith.
Knoware's Explain This feature breaks down investment calculations step by step, showing you the methods behind the numbers, not just the final result.
And here's an important distinction.
Knoware doesn't ask a generative AI model to invent a calculation based on your question. The calculations follow defined financial methods built into the platform.
AI can help you interact with your financial information, but it isn't making up the math.
Actual financial calculations. Explanations you can follow.
No financial degree required.
Better investment decisions start with better questions.
Is your portfolio growing because your investments are performing well, or because you've been adding more money?
Are fees eating into your returns?
Did your investments actually perform better, or did currency movements make them look that way?
And are your gains keeping up with inflation?
You don't need to become an investment analyst to understand these things.
You just need access to the right information, presented in a way that makes sense.
Because the goal isn't simply to watch your investments grow.
It's to understand what's happening with your money, why it's happening, and what that means for the decisions ahead.