Holdings Walkthrough

Tracking Your Net Worth

Connect all your accounts and assets to see your complete financial picture. Understand what you own, not just what you spend.

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Overview

What is Holdings?

The Holdings section tracks everything you own: bank accounts (checking, savings, credit cards), brokerage accounts (stocks, bonds, ETFs), and real assets (real estate, vehicles, collectibles). Rikdom syncs balances via Plaid and SnapTrade, and calculates a tier-weighted liquidity score to show what percentage of your net worth is actually accessible.

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Step by Step

Step-by-Step Guide

1. Connect Bank Accounts

Navigate to Holdings → Accounts and click “Add Bank.”

  • Search for your bank or credit union
  • Log in through your bank's secure OAuth flow (credentials never touch Rikdom)
  • Select which accounts to sync (checking, savings, credit cards)
  • Accounts will appear grouped by type (Checking, Savings, Credit Cards, etc.)

Heads up: After connecting, your bank may send a security email about a “new device login” or “Face ID setup.” This is normal. Our bank data provider connects through your bank's official mobile API, which the bank interprets as a new device. Your login credentials are never shared with or stored by Rikdom.

2. Connect Brokerage Accounts (Pro)

Still on the Accounts page, click “Connect Brokerage” to link investment accounts.

  • SnapTrade supports 200+ brokerages (Fidelity, Schwab, Vanguard, etc.)
  • Read-only OAuth access pulls positions, balances, and cost basis
  • Holdings sync every 24 hours automatically
  • Connection health LED shows sync status (green = healthy, amber = stale, red = error)

3. Add Real Assets

Navigate to Holdings → Real Assets and click “Add Asset.”

  • Choose asset type: Property, Vehicle, Jewelry, Collectibles, Art, or Other
  • For properties, enter an address to enable RentCast auto-valuation (refreshes every 30 days)
  • For vehicles, enter make/model/year (MarketCheck API coming soon for VIN-based pricing)
  • Manually override estimated value anytime—your input takes precedence
  • Confidence rings (solid/dashed/dotted border) show valuation freshness

4. Understand Liquidity Score

On the Holdings landing page, you'll see a dual-metric widget: Net Worth + Liquidity Score.

  • Immediate (100%): Checking, savings—cash you can access today
  • Near-Liquid (95%/90%): Brokerage taxable accounts, short-term bonds
  • Restricted (0%): 401(k), IRA, pension—locked until retirement
  • Illiquid (0%): Real estate, vehicles—takes weeks/months to sell
  • The copper progress bar shows % of net worth that's liquid
  • Runway months calculates how long immediate + near-liquid assets last at current spending
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Pro Tips

Pro Tips

  • •Use the Net Worth toggle: Exclude accounts from Monte Carlo simulations (e.g., exclude your primary home if you're not planning to sell it for retirement funding).
  • •Create portfolio groups: Organize accounts into custom hierarchies (e.g., “Retirement,” “Emergency Fund,” “House Down Payment”) for better mental accounting.
  • •Balance history sparklines: Hover over the sparkline next to each account to see a 90-day trend. Copper = gains, red = losses.

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