Most planning conversations focus on goals: are they saving enough, are they on track. But the investments tab is where you figure out if the money they've already saved is in the right place.
This is where allocation lives. You're looking at the full picture of what they own, how it's invested, and whether anything needs to change.
How I think about it
I don't spend a lot of time on investments during the first meeting. Goals come first. But once we know the targets, the investments tab is where I check whether the portfolio is actually positioned to get there.
The question is always the same: given what this client needs, is this money in the right accounts, in the right assets, with the right cost structure? If not, that's a change to note.
What you see
The investments tab pulls together every account you've added and gives you a consolidated view across five dimensions:
Tax status — Taxable, Tax Deferred, or Tax Free. Kerdora classifies this automatically based on account type (a Roth IRA is Tax Free, a Traditional 401(k) is Tax Deferred, a brokerage is Taxable).
Asset class — Stocks, Bonds, Cash, Real Estate, Other, Unclassified.
Market cap — Mega through Micro, plus Unclassified.
Sector — 12 sectors from Technology to Basic Materials.
Region — 11 regions from North America to Emerging Markets.
You also get portfolio-level metrics: weighted average expense ratio and weighted average dividend yield across all holdings.
Two ways to view it
By default, you're looking at everything by account. Each account shows its balance, holdings, and contribution details.
But the more useful view is by goal. Filter to a single goal (like retirement) and Kerdora shows only the accounts and portions of accounts assigned to that goal. All the allocation breakdowns recalculate based on just that slice of the portfolio.
This is where it gets practical. You're not asking "what's my client's overall allocation?" You're asking "what's the allocation of the money earmarked for retirement?" Those are different questions with different answers.
Holdings and tracking
Each account can track balances two ways:
Simple — one balance number. Good for accounts where you just need the total.
Holdings — individual positions with tickers, shares, and cost basis. This is where you get the full allocation data.
For holdings-based accounts, Kerdora pulls security data automatically when you enter a ticker. You get current price, expense ratio, dividend yield, and the allocation breakdowns that feed into the portfolio view.
If a holding isn't in the database (alternatives, private funds, etc.), you can add it as a custom holding with a name, type, quantity, and price. You can even assign a proxy ticker if you want partial classification data.
Savings and employer match
Each investment account can also track contributions:
Savings — a dollar amount or percentage of income, at whatever frequency the client contributes (weekly, monthly, quarterly, etc.)
Employer match — for retirement accounts, you can set up tiered matching. "100% match up to 3%, then 50% from 3-5%." Kerdora calculates the monthly and annual match based on the client's contribution rate and income.
These numbers feed into the goal progress bars. When you assign an account's savings to a goal, Kerdora knows how much is flowing toward that target every month.
Export
You can export the full portfolio to CSV. One row per holding with account name, type, ticker, quantity, price, cost basis, yields, and expense ratios. Useful for deeper analysis or compliance documentation.