Multi-Account Tracking & Data Quality
Data Lag
Definition
The delay between when a transaction or price change occurs and when it is reflected in the portfolio tracking system.
Why it matters
It makes the portfolio picture stale. Decisions made on lagged data reflect a portfolio that no longer exists.
What most investors miss
The gap between what the term means and how it is usually applied.
They treat a portfolio snapshot as current when it is actually days or weeks old. The allocation they are reviewing may have already shifted.
How to read it
Note the data date of every portfolio view. Treat any view older than a few days as a reference not a current picture.
Multi-account lens
How this term reads differently across brokers and accounts.
In multi-account portfolios data lag varies by account. One broker may update in real time while another requires manual import. The consolidated view is only as current as the slowest account.
Related terms
Terms that connect to data lag.
Reconciliation
The process of checking that transactions balances cash and holdings agree across your records and actual accounts.
Spreadsheet Tracking
The use of a manually maintained spreadsheet to consolidate and track portfolio data from multiple sources.
Monitoring Frequency
How often the portfolio is reviewed against its targets and metrics.
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