Manual: Investment hub

The Investment hub holds everything you own and owe - and the mix you're aiming for. Portfolio is what you have today; Target allocation is where you're steering it.

Portfolio panel

Add every account, holding, property and debt as an item under one of six asset classes: Cash, Debt, Fixed income, Equity, Real estate and Commodities. Each class has its own subclasses - for example Equity covers All World, US, Emerging Markets, sector funds and more; Debt covers mortgage, credit card, car and other consumer loans.

• Link an equity holding to a tracked ETF to pull in live prices and dividend yield automatically, instead of entering a value by hand.
• A debt item (negative balance) automatically generates its monthly repayment on the Budget hub's Spending panel and its balance feeds directly into Debt-to-income.
• A rental property automatically generates rental income on the Income panel and maintenance cost on the Spending panel, so you don't enter the same property twice.
• This panel also shows the long-run forecast - your holdings projected forward using each asset class's expected return, which feeds Cashflow, Insights and Scenarios.

Target allocation panel

Set the percentage mix across the same six asset classes (and, if you choose to break a class down, its subclasses) that you're aiming to hold. This is a target you set once and revisit occasionally - Dispono compares it against your actual current mix so you can see at a glance how far today's portfolio has drifted, and annual rebalancing (if enabled) uses this target to steer the long-run forecast.

There's no single "correct" target allocation - it depends on your goal, time horizon and risk tolerance. See what should you invest in for the framework behind choosing one.