Epic: Investment Account Tracking — TFSA, RRSP, portfolio growth, net worth

Overview

Track investment accounts (TFSA, RRSP, Sunlife pension, Wealthsimple, Questrade) as first-class entities. Handles both the contribution side (money going in = savings) and the growth side (appreciation, dividends = investment return).

Integrates with:

• 💾 Savings (Epic #247) — contributions to investment accounts are classified as savings there; growth is tracked here
• 📊 Excel Export (Epic #219) — dedicated investment account sheets in the workbook
• 💰 Budgeting (Epic #226) — TFSA/RRSP contribution targets settable as savings budget targets

---

Contributions vs Growth — the core distinction

Type	Example	Where tracked
Contributions	Chequing → TFSA $500	Epic #247 (savings transaction)
Growth	TFSA appreciates $200	This epic (balance snapshot delta)

These are never conflated. Growth = current_balance − total_contributions_ever.

---

Providers

Provider	Plaid supported?	Approach
Wealthsimple	✅	Plaid Investments API
Questrade	✅	Plaid Investments API
RBC Direct Investing	✅	Plaid Investments API
Sunlife RRSP	❌ (group plan)	Manual balance entry (#242)
Manulife	❌	Manual balance entry (#242)

---

Sub-issues

Data & sync

• #240 — Data model: investment_balances, investment_transactions, investment_holdings tables
• #241 — Plaid Investments API sync (balances + investment transactions)
• #242 — Manual balance entry MCP tool for non-Plaid providers (Sunlife)
• #243 — Contribution detection: auto-classify transfers as savings (bridges to Epic #247)

MCP tools

• #244 — portfolio_summary() — total value, contributions, growth, growth %
• #245 — investment_account_detail() — balance history + holdings

Excel

• #246 — Investment account sheets in Excel export (Epic #219)

Net worth

• #247-net — net_worth() — chequing + investments combined (see Epic #247 for savings context)

---

Chat UX

"How are my investments doing?"
"What's my total portfolio worth?"
"My Sunlife RRSP is now worth $23,400" → manual update
"How much have I contributed vs how much has grown on its own?"
"What's my net worth?"

Start by reading sub-issues #240–#247, especially the data model, Plaid sync, MCP tools, Excel export, and net-worth work. Map their dependencies and the separation between contributions and growth; the epic is done when its listed account-tracking, reporting, export, and integration pieces are completed.