Holdings

In Exirio's data model, "Holdings" represent the fundamental structure for organizing and categorizing all your financial assets and liabilities. Holdings follow a hierarchical classification system that allows for precise tracking and analysis of your complete financial portfolio.

Holdings Structure

The Holdings structure in Exirio follows a three-level hierarchy:

• Level 1: Holding Class - The broadest category (Investment, Cash, or Debt)
• Level 2: Holding Type - Subcategories within each class
• Level 3: Holding Subtype - Specific types of assets or liabilities

This hierarchical structure is represented in JSON format as follows:

{
  "investment": {
    "crypto": [
      "exchange",
      "wallet",
      "advancedExchange",
      "other"
    ],
    "luxuryAssets": [
      "jewelleryNWatches",
      "carsNBoats",
      "artNNFTs",
      "wine",
      "other"
    ],
    "commodities": [
      "preciousMetals",
      "other"
    ],
    "fundsBrokersNBanks": [
      "securitiesPortfolios",
      "bankAccounts",
      "currentAccounts",
      "privateEquityFunds",
      "ventureCapitalFunds",
      "hedgeFunds",
      "structuredProducts",
      "other"
    ],
    "privateCompanies": [
      "privateCompanyShares",
      "privateLoans",
      "other"
    ],
    "realEstate": [
      "residential",
      "commercial",
      "land",
      "other"
    ],
    "retirementPlans": [
      "managedPensionFunds",
      "selfDirectedSchemes",
      "other"
    ],
    "other": [
      "vehicles",
      "other"
    ]
  },
  "cash": {
    "cash": [
      "currentAccounts",
      "notesNCoins",
      "bankAccounts",
      "other"
    ]
  },
  "debt": {
    "mortgages": [
      "mortgages",
      "other"
    ],
    "creditCards": [
      "creditCards",
      "other"
    ],
    "personalLoans": [
      "studentLoans",
      "carLoans",
      "consumerLoans",
      "other"
    ],
    "other": [
      "other"
    ]
  }
}

Holding Classes

Exirio organizes all holdings into three primary classes:

Investment

The "investment" class encompasses assets that have the potential to generate returns or appreciate in value. This includes:

• Crypto: Digital currencies and tokens held in exchanges or wallets
• Luxury Assets: High-value personal possessions like jewelry, art, and collectibles
• Commodities: Physical goods like precious metals
• Funds, Brokers & Banks: Traditional financial investments including securities portfolios and fund investments
• Private Companies: Ownership stakes in non-public businesses
• Real Estate: Property investments across residential, commercial, and land
• Retirement Plans: Pension funds and retirement savings vehicles
• Other: Miscellaneous investment types not covered by other categories

Cash

The "cash" class represents liquid assets that are readily available for spending or investment:

• Current Accounts: Everyday banking accounts
• Notes & Coins: Physical currency
• Bank Accounts: Savings and deposit accounts
• Other: Additional cash-equivalent assets

Debt

The "debt" class covers all financial obligations and liabilities:

• Mortgages: Home and property loans
• Credit Cards: Revolving credit balances
• Personal Loans: Including student loans, car loans, and consumer loans
• Other: Miscellaneous debt obligations

Using the Holdings Structure

When adding assets or liabilities to Exirio, you'll navigate through this hierarchical structure to properly categorize each Holding. This classification system enables:

• Accurate Asset Allocation: Visualize how your wealth is distributed across different asset classes
• Targeted Performance Analysis: Compare returns within specific categories
• Comprehensive Net Worth Calculation: Account for all assets and liabilities in your financial picture
• Customized Reporting: Generate insights based on specific holding types

For more detailed information on specific Holding types, please refer to the related articles in the Investments, Other Assets, and Debt sections.