What it is
Investments gives you one clear picture of how your money is actually allocated, across every account you own. Instead of checking each 401(k), IRA, and brokerage account separately, Boldin pulls every holding into a single view organized by asset class, so you can answer the question every investor asks: what is my real asset mix?
Why it matters
Your asset allocation drives your risk and your returns. But most people's money is spread across old 401(k)s, IRAs, and taxable accounts, so it's hard to know the real mix without doing the math by hand. Investments does that math for you and shows you:
Your true allocation across every account, not just one at a time
Whether that allocation matches your risk tolerance
Where you might be sitting on too much cash or too much overlap between funds
Who it's for
People approaching retirement who want a clear view of net worth and risk exposure
Active investors who want to rebalance or spot unintended cash drag
Anyone with money spread across multiple 401(k)s and IRAs who want to see total stock exposure in one place
Where to find it
Go to Investments in the left navigation menu.
How it works: 3 steps
1. See how you're invested today
Every holding across every account rolls up into one donut chart, grouped by asset class, with your total portfolio value and account count front and center.
2. Check it against your target
Boldin compares your current mix to the target from your Risk Tolerance Survey, so you can see at a glance whether you're over or underweight equities versus your intended strategy. Haven't taken the survey yet? You can update your risk profile right from this page.
3. Enter, review, or update your positions
Add or edit your holdings so the picture stays accurate. You can:
Connect an account (recommended): syncs daily and replaces any positions you entered by hand
Add positions manually: enter a security or ticker, amount, and asset class yourself
Coming soon: upload a statement and Boldin will read it and ask you to confirm before anything changes.
Need the raw data? Use Download all positions (CSV) to export everything at once.
The asset classes
US Large Cap Equities
US Mid/Small Cap Equities
Int'l Developed Equities
Int'l Emerging Equities
Fixed Income
Alternative Assets
Cash & Cash Equivalents
Unclassified
Note: Real Estate & Commodities will resolve to Alternative Assets
Known issues
We're actively working on Investments and shipping improvements regularly. Here's what members are running into most often today, and what to do in the meantime.
Some holdings show as "Unclassified" A holding lands in Unclassified when we can't map it to an asset class. The most common cases are employer plan funds with no public ticker (Thrift Savings Plan funds, collective investment trusts, separate accounts like a plan's "S&P 500 Index Fund"), target-date and lifecycle funds, stable value funds, fixed and indexed annuities, some municipal and agency bonds, brokerage cash and money market funds, precious metals, crypto, and private or non-traded holdings such as private REITs, qualified opportunity zone funds, and private placements. Unclassified holdings are still counted in your total portfolio value, but they aren't attributed to an asset class, so your allocation percentages will be understated for those classes. Expanding coverage of these securities is our top priority.
You can't change the asset class of a holding yet There's no way to override an asset class today — not for a holding we classified, and not for one that came in as Unclassified. If a fund looks miscategorized to you, or you disagree with how a blended fund was split, the number will stay as-is for now. Manual override is the single most requested change and is next up.
Blended and multi-asset funds may not split the way you expect Target-date funds, balanced funds, and allocation funds are mapped to a single class rather than broken into their underlying stock, bond, and cash components. We're working on look-through for these.
A connected account's total balance may not match the sum of its positions This usually happens for one of three reasons: the institution shares an account balance but not position-level detail; there are unsettled trades, so cash and the purchased security are both counted until settlement completes; or the account synced at a different time than the positions did. You can't trigger a manual refresh yet. Connected accounts sync once daily.
A 401(k), 403(b), or 457 with both Roth and traditional balances imports as one account Connected accounts come in with a single tax treatment, so a plan that holds pre-tax, Roth, and after-tax money in one account can't be split automatically. The workaround is to keep separate manual accounts for each tax treatment and update the balances and positions yourself. We know this is a large amount of manual work and it's a top priority.
You can't exclude an account from your allocation Every investable account is included. If you hold cash for a house down payment, an emergency fund, a 529, or an HSA that you don't consider part of your retirement portfolio, your mix will look more conservative than it really is. Account-level include/exclude is on the roadmap.
Positions are entered as a dollar amount, not a share count Manually entered positions hold the value you typed until you change it — we don't look up a price and revalue them. Entering shares and letting Boldin price them daily is a top request.
Some holdings can't be entered yet Certificates of deposit, money market funds, cash without a security name, pension lump sums, and private placements don't have a clean way to be entered as positions today.
Cost basis from connected accounts may be incomplete or wrong Where an institution supplies cost basis we display it, but the values aren't always accurate and aren't yet used anywhere in your plan.
Real estate and commodities roll up into Alternative Assets There are no separate real estate, commodities, precious metals, or crypto categories yet. Anything in those groups reports as Alternative Assets.
Negative values aren't handled cleanly Short positions, margin balances, and negative cash can display or roll up incorrectly.
What's coming next
Top requests from users include:
Edit and override asset classifications — set the class yourself when we get it wrong or can't identify a holding
Reduce "Unclassified" — expand coverage of employer plan funds, collective investment trusts, annuities, municipal and agency bonds, and cash equivalents, and let you map an unrecognized fund to a similar public ticker
Split Roth, pre-tax, and after-tax balances inside one connected account — so you can link a 401(k) instead of maintaining separate manual accounts
Enter share counts and let Boldin update the value — daily pricing instead of manual balance upkeep
Include or exclude accounts from your allocation — leave out cash reserves, 529s, HSAs, and short-term savings
A tax view — see your mix across taxable, tax-deferred, and Roth, plus guidance on where each asset class is best held
Compare allocation strategies in your plan — model a different mix and see the impact on your projections and chance of success
A target mix and drift tracking — set a target allocation and get flagged when you move away from it
Use your actual holdings to inform your rate of return assumptions — instead of choosing a broad conservative-to-aggressive assumption
Fund fees and expense ratios — see what your investments cost you
Per-account allocation and drill-down — see the mix inside each account, and click an asset class to see which holdings and accounts make it up
Cost basis and capital gains — accurate basis, and use it for tax-aware planning
Frequently Asked Questions (FAQs)
How often does the data refresh?
Connected accounts sync daily. Manual entries and Vault uploads only update when you update them.Does this change my model portfolio, rate of return, standard deviation, Monte Carlo, or return forecast?
No. Forecasts are still based on account balances and rates of returns, not position-level data.
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