← SkillSafe / Client Report Desk

Turn a household's quarter into a client report you can stand behind

Paste the accounts, the cash flows, the holdings and the benchmark. Your browser works out each account's return net of fees and gross, the household's return against its benchmark and for the year to date, what fees cost and what income came in, how the mix compares with the target weights, which holdings drove the result, and whether the holdings actually add up to the account values. All free, before you sign in. Then the desk writes the report for your client, and every number it writes is checked against your figures.

Each example comes with a saved report, so you can see the whole page for free. The households, holdings and returns are illustrative, not real clients or market data.

Report

Types: contribution, withdrawal, fee, dividend, interest, buy, sell (common custodian words such as Wire In, Cash Dividend or Service Fee are read too; Journal, Wire or ACH alone are read by the sign of the amount). A line the page cannot read is named and puts the report on hold. Fees taken from an account lower its net return; contributions and withdrawals are the only money that counts as coming in or going out. Dates as YYYY-MM-DD or MM/DD/YYYY; amounts may carry commas, a currency sign or parentheses; a header line is skipped. Separate columns with | or tabs (commas work when amounts have no thousands separators to confuse).

Drop a household .json saved from this page, or a holdings, cash flow or account export (.csv/.txt), or
Paste the period dates and at least one account to price the report.

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What this does, and what it does not

Returns are Modified Dietz: the gain (end value minus begin value minus money added, plus money taken out) divided by the begin value plus each contribution or withdrawal weighted by the share of the period it was invested. Net of fees counts only contributions and withdrawals as external money, so fees taken from an account lower its return; the gross return adds the fees back. The household return is computed on the combined accounts, not averaged. Returns are cumulative for the period and are not annualised. The year to date is chain-linked from the return you give for earlier in the year. The allocation is the holdings grouped by the asset class you give, against the benchmark weights; 5.0 pp or more away is flagged as drift. A holding's approximate gain is its value less its value divided by one plus its period return, which assumes it was not traded in the period. Holdings that do not add up to the account values within 1%, or flows dated outside the period or on an account not in the list, put the report on hold.

It does not know market levels, index returns, prices or anything you did not paste, and it does not compute time-weighted returns from daily valuations, risk statistics or tax lots. The market commentary is written only from your notes; without notes it is left empty for you. The report is a client communication for your review and your firm's compliance approval, not investment advice. Derived from the agent skill @anthropics/client-report (anthropics/financial-services-plugins, Apache-2.0). The example households are illustrative.