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What is the difference between priced and value-only money?

Priced money is a listed holding with a ledger and a daily close, so it has a return. Value-only money — deposits and typed figures — has a value and no return.

Priced money is a holding you have listed under Investments on a market Nivritee prices: it has a ledger of what you bought and a daily closing price, so it has a value, a gain, a day’s change and a return. Value-only money is everything else you hold — bank and term deposits, scheme balances, gold jewellery, property and any figure you typed into a box. It has a value and nothing more, and the page never invents a return for it.

Investments

Every investment, one row eachIn INR, the currency you will spend
InvestmentValueGainXIRR30 days
Nifty 50 index fundIndian mutual funds (AMFI) · Index fund₹25,000 a month₹16.5L₹16,50,000+₹3.5L11.4%
S&P 500 ETFNYSE · Equity ETF₹22.52L$27,000+₹5.84L14.3%
Nifty Next 50 ETFNSE · Equity ETF₹10L₹10,00,000+₹2L13.0%
Sovereign Gold BondNSE · Sovereign Gold Bond₹7L₹7,00,000+₹2L15.0%
FTSE 100 trackerLondon Stock Exchange · Equity ETF₹7.84L£7,000 · quoted in pence+₹1.12L8.1%

Not listed: ₹10,00,000 typed as one figure — counted in the plan, with no return to read until it is listed.

Typed once — a search, the units and the price you paid — then priced every weekday from the exchange’s own close. A SIP becomes a dated purchase each month. No broker login, no statement upload.

Listed holdings, one row each, with value, gain, XIRR and a 30-day line. Beneath, a figure typed as one amount is counted in the plan with no return to read until it is listed.

Illustrative figures — not anybody’s real plan.

How the page keeps them apart

  • The headline rate and the chips describe priced holdings only. Everything you hold, on the right, includes both, with the share priced daily underneath.
  • What you hold, by type splits its cards into Priced daily and Value only, the second labelled no return to read.
  • The table’s Valued at column says, for each row, last close, stale close, what you paid or value only.
  • The Priced daily reading scores how much of your money a market prices: a reading about this page, not about your investing.

Moving money from value-only to priced

  1. Go to Investments.
  2. Under Market investments, use + Add a holding for each fund, ETF or share you own, with its units, price paid and date.
  3. If the typed figure in the same card already included what you have now listed, reduce it by that amount. Both are counted, so a holding listed on top of a box that still includes it is counted twice — the card shows the sum and offers to reduce the box.
  4. Come back to Investment Performance: the priced share, the return and the readings sharpen on the next reading.

See this in your own plan.

Open Investment Performance

Last reviewed 1 October 2026.