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guito values your investment positions from market quotes. This page explains where those quotes come from, how they differ by asset type, and what the warnings you may see on a position mean.

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How guito values a position

The market value of each position is the quantity you hold, tracked from your buys and sells, multiplied by the latest price per unit. Your gain or loss (P&L) updates with that price.

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Two pricing models

Not every asset has an exchange quote. guito uses different pricing models depending on the type of product.
For exchange-listed instruments (stocks, ETFs, funds), the price comes from the market-data provider. guito uses each day’s official close, which powers the performance charts and your portfolio valuation.If you have connected Trading 212 through automatic sync, these positions can update through the day, not only at the close.If the market-data provider does not cover an asset you hold at a connected broker (for example, a stock whose code changed after a corporate action), guito uses the price your broker reports: on Trading 212, the current price at each sync; on Interactive Brokers, the closing price from the daily statement. The first broker price is applied at once, as your broker’s app shows it. After that, a very large move from one day to the next is applied at once only if another market-data source confirms the same price; otherwise it waits for the next sync to confirm it. The chart shows these assets from the day the first broker price was recorded.These assets show a note naming your broker next to their value (for example, Price from Trading 212), so you know the price comes from your broker rather than from the market-data provider.

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Prices during the day

On Plus and during the free trial, stocks and ETFs on US exchanges and crypto update every 15 minutes while their market is open (crypto at any hour). Stocks and ETFs on European exchanges and funds stay at their close until the next close. If a European share you hold is also listed on a US exchange, during the US session it follows that price, converted at the current exchange rate. At the top of Investments and the overview, Prices at 15:40 gives the time of the latest price, and some at close means some holdings are still at their close. After the close it becomes Today’s close, and at weekends Friday’s close. Next to it, Today is the change since each market’s previous close, in euros and including the exchange-rate move. A buy made today counts from its buy price, and crypto counts from midnight (UTC). Before any market has opened, it shows the last session’s move, as Yesterday or Friday. These prices are provisional: the value charts and returns always use the official close, which replaces the last price at the end of the day. For US stocks and ETFs, there are no prices before the open or after the close.

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When prices lag

Outside prices during the day, market prices update once a day, from each instrument’s official close. Over weekends and holidays, or if an update is briefly delayed, the price you see can be a few days old. guito only shows a note next to your net worth when a price is more than 7 days old. Your market value and P&L are always calculated from the most recent close, so a lag of a few days never blanks out a position. Only when the last close is more than 90 days old does guito stop showing a value, rather than carry a price that far forward.

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Estimated values in charts

In the performance charts, a dotted, faded stretch means the value on those days is an estimate. This happens when more than 5% of a day’s value comes from investments whose last price is more than 5 days old. The value is still calculated from that last price; the chart simply flags that it may no longer match the market. A price up to 5 days old counts as current, so a long weekend or a holiday with the markets closed doesn’t turn the line dotted. And the 5% rule stops one small position without a recent price from turning the chart of your whole portfolio or net worth dotted. When you scrub an estimated stretch, the chart shows the date of the price it used, for example “Estimated value · last price on 2 Mar”. A gap in the line is something else: it means the value on those days is unknown, and the chart leaves it blank rather than make one up.

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Quote warnings on positions

A position can show two kinds of quote warning. They describe the state of the quote only, not the investment.
The asset is no longer traded. This happens after mergers, acquisitions, bankruptcies, exchange migrations, or a product being discontinued (for example, a PPR withdrawn from the market).guito keeps the position visible with the last known price, but stops trying to fetch new quotes.In the Add search, a product in this state shows the same warning and cannot be selected, because there is no longer a venue to record the purchase on. If the product was replaced (for example, a fund that now has share classes), pick the class or the product that replaced it.
The asset still exists, but the market-data provider cannot return a price. guito’s team is notified automatically and investigates.

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What a warning means for you

In practice, a warning rarely calls for any action from you: in either case, the position keeps being valued at the last known price.

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Data sources

To recognise each product by its ISIN, guito matches its catalogue against public reference data. This is what lets you find a product by typing the ISIN from your statement.
  • ESMA (European Securities and Markets Authority): the FIRDS register of financial instruments admitted to trading in the European Union. Source: ESMA. ESMA does not endorse guito’s use of this data.
  • Deutsche Börse: the lists of instruments tradable on Xetra and Börse Frankfurt.
  • SEC (the US securities markets regulator): the public fails-to-deliver data, which links a US stock’s ticker to its identification code (CUSIP).
  • GLEIF (Global Legal Entity Identifier Foundation): legal entity identifiers (LEIs) and the mapping between LEIs and ISINs, published under the CC0 licence.
This data only identifies products. Prices still come from the market-data provider or, for assets it does not cover, from the broker where you hold them.

Investments

How guito tracks your positions, quantities, and valuation.

Savings certificates

How to record and track Euribor-indexed certificates.

Automatic sync

How to connect accounts and brokerages through automatic sync.

How we calculate balances and net worth

How each investment’s valuation rolls up into your total net worth.