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Bonds & CDs don't show properly in Portfolio X-Ray

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This discussion was created from comments split from: Portfolio Xray issue.

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Boatnmaniac

I remember when this ETF issue was a problem a few months ago but then it was fixed and looked OK.

But today I checked Portfolio X-Ray in my primary data file and see that the issue has returned. I did manually reselect all accounts and all securities as well as manually refreshed X-Ray. Currently a large percentage of my investments are ETF and Bonds, both of which are not accounted for correctly in Portforlio X-Ray.:

For comparison, here is what Quicken's Asset Allocation graph looks like. It seems to be pretty close to what I expected to see.:

Quicken Kristina

Hello @Boatnmaniac,

Thank you for letting us know you're also seeing this issue. The ETF issue returning has already been reported; ticket CTP-18131. The main discussion for that issue is:

https://community.quicken.com/discussion/7975427/re-why-isnt-the-issue-with-portfolio-xray-not-getting-more-attention

So far, you're the first I've seen reporting problems with bonds not reflecting correctly. Is this happening only in the Portfolio X-Ray? If not, where else are you seeing it? Are all bonds affected?

I look forward to your reply!

Boatnmaniac

@Quicken Kristina - Thanks for posting the link to the main thread on this issue. Since I stopped actively managing most of our financial investments a couple of years ago and turned it over to a financial management company I haven't found a need to use Portfolio X-Ray very much anymore. That explains why I'm a bit behind the curve on this issue.

Bonds not showing up is only happening in Portfolio X-Ray. Here is what it looks like after I deselected all securities except for bonds:

I then decided to replace bonds with brokered CDs (which are mostly just a variation of bonds) and got the exact same result. So it is not capturing CDs, either.

I then selected all securities except for Bonds, CDs and ETFs and this is what it shows. I'm not sure if it is right be it does show data in the buckets I would expect it to be shown in. Except that I'm now seeing some Bonds data but maybe that is picking up Bonds allocations in some of my MFs. picked up. But I don't know what that "Not Classified" is.:

Quicken Kristina

Thank you for your reply @Boatnmaniac,

Sorry for the delayed response. I didn't receive a notification that you'd responded.

I tested in my file and observed similar behavior. When only bonds and CDs are selected, the Portfolio X-Ray acts like it's all cash.

I suspect the "Not Classified" is your CDs. When I added CDs to my file to test the issue, I noticed that Quicken defaults the Asset Class for CDs to "Not Classified."

I forwarded this issue to the proper channels for further investigation and resolution. Since I replicated the issue, we shouldn't need logs.

Thank you!

(CBT-1302)

Quicken Kade

Hello @Boatnmaniac,

We received some feedback from the escalations team regarding this issue, and I wanted to share this with you.

Portfolio X-Ray is powered by Morningstar. When the user opens it, Quicken sends Morningstar a list of your holdings and their values. Morningstar can only identify a holding if Quicken has a Morningstar ID for it. Quicken gets that ID when it downloads quotes for the security.

If a security has no Morningstar ID, Quicken leaves it out of what it sends, and it doesn’t show an error. Morningstar doesn’t cover every security, and a security that never gets a successful quote download can’t pick up an ID.

This is why bonds and CDs behave as they do:

When you select only bonds and CDs, they are left out, and only your cash balance is sent, so the Portfolio X-Ray shows 100% cash.
When you add stocks or funds, those appear because they have IDs. The bonds and CDs are still left out.

The Asset Allocation graph is calculated separately from Morningstar, which is why it looks right to you.

Things you can try

Open each bond and CD and confirm it has a ticker symbol and that Download quotes is turned on.
Make sure the security isn’t hidden or marked inactive.
Run One Step Update (or update quotes), then reselect your accounts and securities in the Portfolio X-Ray and refresh.

This may not help for every security, because some bonds and CDs have no Morningstar coverage.

Please try the steps above for the bonds and CDs you are having issues with and let us know if it helped resolve any.

Thank you. I look forward to your response.

Boatnmaniac

Thanks for the follow-up on this, @Quicken Kade. As shown in this pic of my Security List:

All of the bonds and CDs that I currently have are brokered and have both ticker symbols and CUSIP IDs.
CDs Type: They are listed as "CD" but they were downloaded as "Bond" when the securities was added to Quicken during OSU. I manually edited them to be "CD" to make it easier for me to distinguish them from other Bonds.
CDs Asset Class: They are listed as "CD" but they were initially downloaded as "Bond". Again, I manually edited them to be "CD" to make it easier for me to distinguish them from other Bonds.
BOND Type: They were downloaded as "Bond" when the securities was added to Quicken.
BOND Asset Class: They are downloaded as shown when the securities were added to Quicken.
Download Quotes is checked for each Bond and CD.

OSU SETTINGS: Securities are set up in OSU settings to be downloaded and prices are updated in Security Details in Quicken each day during OSU. These daily price updates reflected in all of the various relevant investments views and reports.

OSU SUMMARY: I get a message after most OSUs that the prices did not download for any of the Bonds and CDs. Yet, as mentioned in the prior paragraph, the prices are actually updated during OSU. Following is a picture of that message. The picture below lists only some of the Bonds but I confirmed that the entire list includes all of the Bonds and CDs shown in the picture above. So, why am I getting this message when the daily updated prices have actually been downloaded?

After verifying all of the information provided above I then opened Portfolio X-Ray and essentially got the same results as I'd posted earlier in this thread:

ALL ACCOUNTS & ALL SECURITIES INCLUDED: Bonds are greatly understated and appear to be reflecting the data from some Bond MFs, not actual Bonds nor CDs (based upon these originally being downloaded as Bonds). No separate CDs data. EFTs are not included in Stocks. Everything looks very similar to what I'd posted earlier in this thread.
ALL ACCOUNTS & ONLY BONDS & CDs SELECTED…WITH CASH (I.E., NO SECURITIES) DESELECTED: The same results as was posted earlier in this thread….no Bonds/CDs…but there is a Cash allocation shown. I really have no idea where this Cash allocation is coming from since No Securities was deselected and no securities other than Bonds and CDs were selected so there should be no Cash shown in this chart unless Morningstar is wrongly converting Bonds/CDs to Cash.

So, bottom line is that after following the steps you listed there was virtually no change in the outcome in Portfolio X-Ray.

Any other thoughts or suggestions?