Investment Holdings

A Holding in Quiltt represents an investment position such as a stock, bond, ETF, or mutual fund held in an investment account.

Link to this section#Schemas & Types

Link to this section#GraphQL Queries

Quiltt provides holdings at two levels:

1. Profile level - Aggregated positions across all investment accounts via the holdings query.
2. Account level - Individual positions for a specific account via account.holdings.

Link to this section#When to Use Each

Use the holdings query when you want:

• Consolidated portfolio view across all accounts
• Total exposure to a specific security
• Overall investment performance
• Aggregate portfolio analytics

Use account-level holdings (account.holdings) when you want:

• Positions broken down by account
• Access to provider-specific remote data
• Account-specific cost basis for reconciliation

Link to this section#Profile-Level Holdings

Use the holdings query to fetch aggregated positions across all investment accounts belonging to the Profile. This provides a consolidated portfolio view.

query GetHoldings {
  holdings {
    nodes {
      id
      quantity
      position
      price
      value
      costBasis
      at
      security {
        name
        tickerSymbol
      }
    }
  }
}

{
  "data": {
    "holdings": {
      "nodes": [
        {
          "id": "hld_12xBsJKrI455PNcaCkqpGk",
          "quantity": 250.75,
          "position": "LONG",
          "price": 178.32,
          "value": 44713.74,
          "costBasis": 38542.50,
          "at": "2024-06-09T12:34:56Z",
          "security": {
            "name": "Apple Inc.",
            "tickerSymbol": "AAPL"
          }
        }
      ]
    }
  }
}

Profile-level holdings are calculated after each sync completes and the profile.ready event is fired. When you own the same investment across multiple accounts, positions are combined:

• Quantity: Total shares across all accounts
• Value: Total market value across all accounts
• Cost Basis: Your average cost per share across all accounts

Link to this section#Account-Level Holdings

Account-level holdings are available through Accounts. Use account.holdings when you need positions for a specific investment account, including access to provider-specific remote data.

query GetAccountHoldings {
  account(id: "acct_12tgD1YP33AwEvbdmSrcRY") {
    id
    name
    holdings {
      nodes {
        id
        quantity
        position
        price
        value
        costBasis
        at
        security {
          name
          tickerSymbol
        }
      }
    }
  }
}

{
  "data": {
    "account": {
      "id": "acct_12tgD1YP33AwEvbdmSrcRY",
      "name": "Individual Brokerage",
      "holdings": {
        "nodes": [
          {
            "id": "achld_12xBsJKrI455PNcaCkqpGh",
            "quantity": 150.5,
            "position": "LONG",
            "price": 178.32,
            "value": 26837.16,
            "costBasis": 22542.00,
            "at": "2024-06-09T12:34:56Z",
            "security": {
              "name": "Apple Inc.",
              "tickerSymbol": "AAPL"
            }
          }
        ]
      }
    }
  }
}

Link to this section#Accessing Remote Data

Account-level holdings include raw provider data via the remoteData field:

query AccountHoldingRemoteData {
  account(id: "acct_12tgD1YP33AwEvbdmSrcRY") {
    holdings {
      nodes {
        id
        remoteData {
          finicity {
            holding {
              response {
                securityId
                marketValue
              }
            }
          }
        }
      }
    }
  }
}

Link to this section#Long and short positions

Every holding includes a position field that indicates whether the lot is a long or short position. The field is available on both profile-level holdings and account-level holdings.

Quiltt reports short positions with a negative quantity, reflecting the borrowed shares owed back to the broker. Read the position field when you need to separate long exposure from short exposure in portfolio calculations rather than inferring direction from the sign of quantity alone.

Link to this section#Data freshness

Holdings and their balances update when Quiltt syncs the underlying connection, not in real time. Each holding's at field records when Quiltt last observed that position, and profile-level holdings are recalculated after every sync completes and the profile.ready event fires.

Investment accounts refresh differently from depository and credit accounts. Because Plaid doesn't send webhooks for investment account balance or position changes, Quiltt automatically syncs Plaid connections that hold investment accounts more frequently than other connections. This scheduled polling captures balance and position changes without a real-time push, so investment holdings stay reasonably current even though no webhook signals the update.

Link to this section#Testing

Link to this section#Finicity Test Logins

Use the logins below to test investments data using a Finicity-enabled Connector. Your Connector must have the Investments product enabled.

These logins are only available in Sandbox and Test environments. See the Connections guide for details on creating test connections.

To connect, select the Finicity Test Bank institution and choose FinBank Profiles A or FinBank Profiles B portal.

For a full list of test profiles including additional bank account profiles with specific investment account types (IRAs, 401ks, brokerage, etc.), refer to the Mastercard Test APIs documentation.