What goes in the market investments box if I have listed holdings?
Only what you have not listed. The Not listed figure means the rest of your shares, funds and bonds; Nivritee counts listed and not listed together, and tells you when both hold money.
Anything in shares, funds, ETFs or bonds that you have not listed as a holding. Market investments has two halves: Listed holdings, priced at every close, and Not listed, one figure per kind. Your plan counts both, added together. The top of the section shows In this section, Listed as holdings and Not listed so you can see the split.
When you start listing
Most people begin with one typed figure for all their investments. When you list a fund that was part of that figure, the same money is now in both halves. Nivritee cannot know whether it was, so it says the sum out loud instead of guessing:
- Both are counted. — followed by what is listed, what is typed, and the total.
- A button, Reduce by a named amount, takes the typed figure down by what you have just listed, largest row first. It never takes a figure below zero, and a listed bond never reduces an equities box.
- The notice cannot be dismissed. It goes away by itself when the typed figure reaches zero or no longer overlaps.
Investments
- India retirement schemes₹12LEPF₹8LNPS₹4L
- Cash savings & bank deposits₹20.48LSavings account · UAE · AED 40,000₹9.08LSavings account · India · emergency fund₹5.4LThe emergency fund — the whole accountFixed or term deposit · India₹6L
- Market investments₹73.86LListed holdings · 5, on 4 markets₹63.86LNot listed · typed as one figure₹10L
- Metals & jewellery₹8LGold jewellery₹8L
- PropertyNot countedFlat in Pune · where you will live₹75LYour home — net worth, not corpus
Everything held, grouped as Investments groups it — including market investments split into listed and not listed.
- Market investments: Listed holdings · 5, on 4 markets — ₹63.86L.
- Not listed · typed as one figure — ₹10L.
- Everything you hold, and the part counted toward your independence corpus.
Illustrative figures — not anybody’s real plan.
Choosing what to do
| Your situation | What to do |
|---|---|
| The listed fund was part of the typed figure | Press Reduce by. |
| The listed fund is extra money you had not entered | Leave the typed figure as it is. Both are real. |
| You have listed everything | Set the typed figure to zero. |
| You prefer not to list holdings | Keep one typed figure. Every figure on your plan still works. |
See this in your own plan.
Open InvestmentsLast reviewed 1 October 2026.