第 16 章

看持倉

儀表板

儀表板 是首頁，一塊塊排好最常看的東西；右上角自訂儀表板可以關掉區塊、調順序。除了摘要卡、帳戶總覽、資產走勢，還有近期損益（每天的損益長條）、今日漲跌、市場概況（指數與漲跌家數）、即將除權息、持股分布、近期動態與 AI 摘要。摘要卡：總資產、今日損益、總報酬（可以切含息／不含息）、年化報酬率（一般／XIRR）、本金（淨存入／存入／提出）、帳戶現金、持股市值、未實現與已實現損益、股利、殖利率、負債。滑鼠移到卡片上有說明。

帳戶總覽照券商 App 的分類列出上市櫃、出借中、信託、海外、現金、基金、債券、期貨，以及負債與資產總淨額：

資產走勢畫總資產、持股市值、本金、總報酬每天的變化，右上角切 3 個月／1 年／3 年／全部；切到 TWR 看扣掉存提的時間加權報酬。

切到損益看已實現（含收益）、未實現與總報酬從第一筆紀錄起的累積走勢（總報酬 = 已實現 + 未實現）：

持股明細

持倉 → 持股明細：每一檔的股數、平均成本、現價、今日漲跌、未實現損益、殖利率與佔比，最下面是台幣合計。上方的產業、標籤籤可以篩選；點一列看那一檔的完整歷史。

按「欄位」可以把用不到的欄取消勾選，選擇會記在這台電腦；點欄位標題排序。

資產配置

由上而下：各證券帳戶比較（圖表切換市值、成本、未實現、已實現、總報酬，右上角換成表格）、依幣別分開看、匯率的影響、幣別曝險走勢、資產類別配置、持股分布、持股集中度、持股熱力圖、產業分布。

資產類別配置把總資產分成個股、ETF、債券 ETF、基金、債券、現金、期貨，看錢放在哪一類：

幣別曝險走勢是每個月底各幣別占資產的比例（持股照計價幣別、現金照帳戶幣別）。外幣比例越高，匯率變動對總資產的影響越大：

持股分布可以切依市值／股數／成本，前 7 檔各一個顏色，其餘併成「其他」：

持股集中度看最大一檔、前 5、前 10 大各佔多少；有效檔數是「如果每檔一樣大，相當於幾檔」，比實際檔數少很多代表錢集中在少數幾檔。下面的累積占比線滑過看每一檔：

持股熱力圖每一格的面積是市值、顏色是未實現報酬率，一眼看出哪幾檔最大、哪幾檔在賠：

個股分析

上方切換標的，看單一檔的現價與今日漲跌、這一檔的今日損益、成本、損益平衡點、每一筆交易、庫存批次與出場試算、配息，最下面是這一檔的投資日誌（也可以在這裡直接寫）。備註可以在這裡直接改。點標題的股票代號（紅框）直接開這一檔的技術分析（第 18 章；基金、債券除外）。

歷史回溯

選一個過去的日子，看那天結束時的總資產、現金、負債、本金與每一檔的股數、成本、收盤價、市值。成本照先進先出重播到那天，只是查看、不會改紀錄。

Chapter 16

Viewing your holdings

Dashboard

Dashboard is the home page, laying out what you look at most section by section; Customize dashboard at the top right turns sections off and reorders them. Besides the summary cards, account overview and asset trend there are recent P&L (daily P&L bars), today's movers, a market overview (index and advancers/decliners), upcoming ex-dividend, holdings split, recent activity and an AI digest. The summary cards show: total assets, today's P&L, total return (with or without dividends), annualized return (CAGR / XIRR), capital (net / deposits / withdrawals), cash balance, holdings value, unrealized and realized P&L, dividends, dividend yield and liabilities. Hover over a card for an explanation.

The account overview groups everything the way broker apps do: listed / OTC stocks, securities on loan, trust, overseas, cash, funds, bonds and futures, plus liabilities and net assets:

The asset trend plots total assets, holdings value, capital and total return day by day; switch between 3 months / 1 year / 3 years / All at the top right. Switch to TWR for the time-weighted return with deposits and withdrawals taken out.

Switch to P&L to see realized (incl. income), unrealized and total return accumulated since your first record (total return = realized + unrealized):

Positions

Holdings → Positions: for each holding, the shares, average cost, current price, today's change, unrealized P&L, yield and weight, with a TWD total at the bottom. Use the industry and tag chips at the top to filter; click a row to see that holding's full history.

Click “Columns” to untick columns you don't need; your choice is remembered on this computer. Click a column header to sort.

Allocation

From top to bottom: a comparison of securities accounts (the chart switches between market value, cost, unrealized, realized and total return; switch to a table at the top right), a breakdown by currency, the effect of exchange rates, currency exposure, asset class allocation, holdings allocation, concentration, the holdings treemap and the industry breakdown.

Asset class allocation splits total assets into stocks, ETFs, bond ETFs, funds, bonds, cash and futures, so you can see where your money sits:

Currency exposure shows each currency's share of your assets at each month-end (holdings by their trading currency, cash by the account currency). The more you hold in foreign currency, the more exchange rates move your total assets:

The holdings allocation chart can show market value, shares or cost. The top 7 holdings each get a colour and the rest are combined into “Other”:

Concentration shows how much the largest holding, the top 5 and the top 10 make up. Effective holdings is “how many equal-sized holdings this is worth”; a number far below your actual count means your money is concentrated in a few holdings. Hover along the cumulative share line below to see each holding:

In the holdings treemap, each tile's area is its market value and its colour is its unrealized return, so you can spot the biggest holdings and the losers at a glance:

Stock detail

Switch instruments at the top to see one holding: current price and today's change, today's P&L for this holding, cost, break-even price, every trade, tax lots and an exit calculator, dividends, and at the bottom this holding's journal entries (you can write one right here too). You can edit the note here directly. Click the symbol in the title (red box) to open this instrument in technical analysis (chapter 18; not for funds and bonds).

Look back

Pick a past date to see, as of the end of that day, total assets, cash, liabilities, capital, and each holding's shares, cost, closing price and market value. Cost is replayed first-in, first-out up to that day. It is view-only and never changes your records.