config-example.yaml

portfolios:
  -
    # Name which will identify your portfolio in commands
    name: ib

    # Specifies broker
    broker: interactive-brokers

    # Path to a directory with broker statements
    statements: ~/Brokerage/Interactive Brokers/Statements

    # Base currency of your account
    currency: USD

    # Tax remapping rules (https://github.com/KonishchevDmitry/investments/blob/master/docs/brokers.md#ib-tax-remapping)
    #tax_remapping:
    #  - date: 2020.02.13
    #    description: BND(US9219378356) Cash Dividend 0.19834500 USD per Share - US Tax
    #    to_date: 2019.02.06

    # Sometimes stocks are renamed without any corporate action (see https://github.com/KonishchevDmitry/investments/issues/29)
    # Manual corporate action specification solves the issue.
    #corporate_actions:
    #  - date: 2020.11.03
    #    symbol: CBL
    #    type: rename
    #    new_symbol: CBLAQ

    # Specifies which instruments' performance should be merged into the specified instrument during performance
    # analysis. This may be useful for example when you replace one ETF by another but very similar and want to know how
    # performant is your choice over the all elapsed time.
    #merge_performance:
    #  IGM: [VGT]

    # When investments tries to rebalance your portfolio according to the specified weights it may lead to orders like
    # "buy 1 XXX stock, sell 1 YYY stock" which may be too expensive in terms of commissions. This option sets minimum
    # trade volume per stock which solves the issue.
    min_trade_volume: 200

    # Free cash assets that must left after portfolio rebalancing
    min_cash_assets: 50

    # restrict_selling/restrict_buying options may be applied to the whole portfolio, asset groups or individual stocks
    # and restrict the specified action.
    restrict_selling: true

    # Describes your target assets allocation for portfolio rebalancing. Positions can be grouped with unlimited nesting
    # level.
    assets:
      - name: Stocks
        weight: 70%
        assets:
          - {name: Vanguard Total Stock Market ETF, symbol: VTI, weight: 75%}
          - {name: Vanguard Total International Stock ETF, symbol: VXUS, weight: 25%}

      - name: Bonds
        weight: 30%
        assets:
          - {name: Vanguard Total Bond Market ETF, symbol: BND, weight: 50%}
          - {name: Vanguard International Bond ETF, symbol: BNDX, weight: 50%}

  - name: firstrade
    broker: firstrade
    statements: ~/Brokerage/Firstrade/Statements

    # Firstrade may use outdated symbol names in broker statements. You can remap them to the actual ones.
    symbol_remapping:
      ISI: ITOT

    # Some brokers don't provide instrument names or provide them in non-human-friendly form. You can specify your own
    # instrument names.
    instrument_names:
      ITOT: iShares Core S&P Total U.S. Stock Market ETF
      IXUS: iShares Core MSCI Total International Stock ETF
      AGG:  iShares Core U.S. Aggregate Bond ETF
      IAGG: iShares Core International Aggregate Bond ETF
      REET: iShares Global REIT ETF

  - name: bcs
    broker: bcs
    plan: Инвестор
    statements: ~/Brokerage/БКС/Отчеты Брокера

    # For some instruments BCS shows ISIN or symbol with some exchange-specific suffixes instead of actual symbol name.
    # This mapping allows you to manually remap BCS names to actual symbol names.
    symbol_remapping:
      RU000A101X76: TMOS
      RU000A100HQ5: VTBE

    # Configuration for Individual Investment Account (Type 2)
    tax_exemptions: [tax-free]
    tax_payment_day: on-close

  - name: open
    broker: open-broker
    plan: Всё включено
    statements: ~/Brokerage/Открытие/Отчеты Брокера

    # Dividends and corporate actions are identified by some internal stock names in Open Broker statements. There is no
    # any mapping of them to stock symbols in the statements, so we have to specify it manually.
    instrument_internal_ids:
      ROS AGRO PLC-GDR: AGRO
      ГАЗПРОМ-ао-2: GAZP

    # Configuration for Individual Investment Account (Type 1)
    tax_payment_day: on-close
    tax_deductions:
      2018.09.25: 52000

    currency: RUB
    min_cash_assets: 250
    restrict_selling: true

    assets:
      - name: Stocks
        weight: 80%
        assets:
          - {name: FinEx MSCI USA UCITS ETF, symbol: FXUS, weight: 75%}
          - name: Other world
            weight: 25%
            assets:
              - {name: FinEx MSCI Germany UCITS ETF, symbol: FXDE, weight: 37%}
              - {name: FinEx Russian RTS Equity UCITS ETF, symbol: FXRL, weight: 32%}
              - {name: FinEx MSCI China UCITS ETF, symbol: FXCN, weight: 31%}
      - {name: FinEx Tradable Russian Corporate Bonds UCITS ETF, symbol: FXRU, weight: 20%}

  - name: sber
    broker: sber
    plan: Самостоятельный
    statements: ~/Brokerage/Сбер/Отчеты Брокера

    # Configuration for Individual Investment Account (Type 3):
    tax_exemptions: [tax-free]
    tax_payment_day: on-close
    tax_deductions:
      # Received tax deductions can be specified here and will be taken into account during portfolio performance analysis
      2024.08.25: 52000

  - name: tinkoff
    broker: tinkoff
    plan: Инвестор
    statements: ~/Brokerage/Тинькофф/Отчеты Брокера

    # Configures the account as account to which long-term ownership tax exemption can be applied
    tax_exemptions: [long-term-ownership]

    # Tinkoff doesn't provide any information about corporate actions, so we have to specify them manually
    #corporate_actions:
    # - {date: 2020.10.27, symbol: NEE, type: stock-split, ratio: 4:1}
    # - {date: 2022.06.27, symbol: FXRB, type: delisting, quantity: 12460} # FinEx FXRB fund lost all its assets and has been closed
    # - {date: 2023.03.24, symbol: "700", type: stock-dividend, stock: "3690", quantity: 14} # Tencent Holdings paid dividends with Meituan shares

# Starting from 2021 progressive tax rate has replaced the fixed one in Russia. Here you can specify your non-investment
# income by year to make investments calculate tax rate taking into account this tax base.
#
# Starting from 2025 we've got progressive tax rate with two separate tax bases for income from employment and
# investments, so for years starting from 2025 this configuration setting is ignored, since it's different tax base.
#taxes:
#  income:
#    2021: 4_321_012
#    2022: 5_432_101

# Your individual broker + bank account configuration. For now specifies your bank commissions for transferring funds
# from your bank account to your broker account. Will be taken into account during portfolio performance analysis.
brokers:
  firstrade:
    deposit_commissions:
      USD: {fixed_amount: 0}

  interactive_brokers:
    deposit_commissions:
      RUB: {fixed_amount: 0}
      USD: {fixed_amount: 0}

  tinkoff:
    # Sandbox token from https://tinkoff.github.io/investAPI/token/
    #api_token: secret

# Stock quotes providers (see https://github.com/KonishchevDmitry/investments/blob/master/docs/quotes.md for details)
quotes:
  fcsapi:
    # Access key that must be obtained here - https://fcsapi.com/
    access_key: secret

  finnhub:
    # API token that must be obtained here - https://finnhub.io/register
    token: secret

  #custom_provider:
  #  url: http://localhost/

  #static:
  #  RSHE:  95.02 RUB
  #  83010: 45.26 CNY


# This field is always ignored. You can place any data inside of it and use YAML anchors to refer repeatable
# configuration values from other places of the configuration file. For example, you may refer a single asset
# allocation configuration from multiple portfolios.
#anchors: {}

deposits:
  - name: Тинькофф
    open_date: 2019.01.31
    close_date: 2019.07.31
    amount: 190000
    #currency: RUB
    interest: 7
    capitalization: true
    contributions:
      2019.02.05: 60000
      2019.02.21: 50000

# Configures the number of days to notify before deposit closing (for --cron mode)
notify_deposit_closing_days: 10