Tracking Stocks and Shares ISA

[Steev P]

Hi 

I still use MS Money to track every day expenses and even a cash ISA, but it (and I) struggles with a stocks and shares ISA

I basically have a S&S ISA with Trading 212, I pay bits and piecves into it when i can, and the way i keep track in MS Money is simply change the opening balance under change account settings to whatever it is worth on 1st (ish) of every month.

It isnt a good way. I understnad there are add-ons and chnages you can make to get it to tracking these things properly, but i am not technical enough to do it. What alternatives are there to MS MOney to keeping track of S&S ISAs? Im in the UK if that makes a difference.

Thanks, S

[Steev P]

OK, some people recommended Gaier Softwre add in and so ive downloaded the trial. I think ive got that working as under INVESTMENTS TO WATCH i have details of the 2 stocks i have. one of which is an all world index and the other a fractional share in Starbucks i got for singing up to a trading 212 account

OK, how do i integrate that into the trading 212 account that I have?

Ive entered the opening balance as of today which is what the index is worth as of this minute
Ive added an investment as a transfer from my main bank account to the trading 212 account, The money i transferred appears under "cash transaction" (quesiton here, what is the Investment Transactions option for?) I would post a screen grab but cannot seen to paste it here

is this it, is this all i need to do?

Thanks S

[Steev P]

there also seems to be no way to edit a post once posted

If i go into my ac ount list, under investment accounts i have the trading 212 account, if i click into that and click account summary it jsut say the account has no investments, how do i "add" the index fiund and starbucks fractional share?

S

[Tom Roberts]

Not knowing what stage you are at, you should be able to get clarity from the help file contents shown below. Your account should be an investment account. Unfortunately, i am packing to travel so don't have time to be of further use. 

  

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[Cal Learner]

Some terms are different between Money 2005 and the Money version I use. The choices you see may differ somewhat.

You will want to go to the count list, right-click the account and choose Account Settings or Options.  There are settings including whether to track cash by ticking TrackCashTransactions. Choosing that will cause you to have an associated cash account, which you do, because you already transferred money there. I always tick that too. Other setting let you identify the account characteristics such as ISA. You already found the Watch account.

 

The money i transferred appears under "cash transaction" (question here, what is the Investment Transactions option for?) 

Into the Investment Transactions, insert one or more Buy transactions.  I enter my transactions into the register without using the forms. There is a tick box near the bottom of the register. I use the multi-line method, and you can toggle between single-line and multi-line with Ctrl+T. Try it and choose. If you use the multi-line method, you will see that there is a field that identifies where the money for the Buy came from. Normally that is from the associated Cash account. When you make the Buy, the balance of the Cash account goes down. It could go negative if you have not added the money. 

If there is a case where you want the stock or fund to be added without accounting for the cash, there is an AddShares type of transaction.

I think this hits the main parts of your questions.

There are lots of things that you might run across. One is that the running balance in a credit card account is different than for bank and Cash account. For a credit card, a positive number means that you Owe money.

[Cal Learner]

Account list-- not count list.

[Mike Wylde]

Tried to reply earlier but it seems not to have posted. Here's a fresh simpler reply. (You've already done some of these actions.)

Open a Money investment a/c called e.g. 212 ISA

Do it as an investment a/c and tick the tax exempt box.

Go into account settings, make sure it is ticked for "track cash transactions" and give the "cash portion" a name e.g. 212 ISA cash

Transfer cash from your bank account to 212 ISA cash.

Go into the 212 ISA a/c in money, select "investment transactions", click on new at the bottom, and enter details of your share purchase, selecting "buy" under "activity", and taking the money from 212 ISA cash.

Repeat for any new transactions.

Now look at portfolio manager (under the home tab).

Once you've sorted out the correct identifier for the share, Dan Gaier's absolutely indispensable programme will update the current value oof your holding whenever you want. Follow his setting up instructions carefully.

If you get dividends, you need to enter them manually as investment transactions. You can reinvest, or transfer the funds to 212 ISA cash and then withdraw or make a fresh purchase.

Pay Dan, it's worth far more than he asks for!

[Mike Wylde]

Here's an illustration.

I have an ISA and a non-ISA shares account with in my case HL, you can just substitute 212.

I  have a Money a/c called HL ISA and a Money a/c called HL Shares.

Both are investment accounts. In setting up an investment a/c there is a tick box for show cash transactions or something like that, I forget exactly. Tick it. Money then automatically sets up a cash account linked to the investment account.

Now I can transfer money from my bank account to "HL ISA cash" or "HL Shares cash". When I then buy shares with that money, I go into "HL ISA"or "HL Shares" and record a "buy" transaction. The shares and reduced cash balance then show in that a/c.

Sells are done the same way in reverse.

When I get dividends, i can reinvest the amount or transfer it to the corresponding cash a/c and then buy different shares or withdraw it.

The Gaier software is to me indispensable for tracking the price of the investments and then in portfolio manager or various reports you can see how things are going. Pay Dan, it's worth far more than his minimum!

Hope this helps you get started.

On Wednesday, 16 July 2025 at 23:24:18 UTC+1 Tom Roberts wrote:

[Mike Wylde]

Re your SBUX query. I think you'll have to use symbolmap.csv to map this to its financial instrument code of a22k9c - you need to study the Gaier instructions carefully

The same will apply to the individual investments in your ISA. I don't know what it appears to be tracking at the moment!