ai: handle drip investments

src/cache/store.zig

@@ -824,10 +824,16 @@ pub fn serializePortfolio(allocator: std.mem.Allocator, lots: []const Lot) ![]co
                 .option => "option",
                 .cd => "cd",
                 .cash => "cash",
+                .watch => "watch",
                 .stock => unreachable,
             };
             try writer.print("security_type::{s},", .{type_str});
         }
+        // Watch lots only need a symbol
+        if (lot.lot_type == .watch) {
+            try writer.print("symbol::{s}\n", .{lot.symbol});
+            continue;
+        }
         try writer.print("symbol::{s},shares:num:{d},open_date::{s},open_price:num:{d}", .{
             lot.symbol, lot.shares, lot.open_date.format(&od_buf), lot.open_price,
         });
@@ -851,6 +857,9 @@ pub fn serializePortfolio(allocator: std.mem.Allocator, lots: []const Lot) ![]co
         if (lot.rate) |r| {
             try writer.print(",rate:num:{d}", .{r});
         }
+        if (lot.drip) {
+            try writer.writeAll(",drip::true");
+        }
         try writer.writeAll("\n");
     }
 
@@ -921,6 +930,14 @@ pub fn deserializePortfolio(allocator: std.mem.Allocator, data: []const u8) !Por
                     const r = Store.numVal(v);
                     if (r > 0) lot.rate = r;
                 }
+            } else if (std.mem.eql(u8, field.key, "drip")) {
+                if (field.value) |v| {
+                    switch (v) {
+                        .string => |s| lot.drip = std.mem.eql(u8, s, "true") or std.mem.eql(u8, s, "1"),
+                        .number => |n| lot.drip = n > 0,
+                        else => {},
+                    }
+                }
             }
         }
 

src/cli/main.zig

@@ -1166,36 +1166,86 @@ fn cmdPortfolio(allocator: std.mem.Allocator, config: zfin.Config, file_path: []
 
         // Lot detail rows (always expanded for CLI)
         if (is_multi) {
+            // Check if any lots are DRIP
+            var has_drip = false;
             for (lots_for_sym.items) |lot| {
-                var lot_price_buf: [24]u8 = undefined;
+                if (lot.drip) { has_drip = true; break; }
-                var lot_date_buf: [10]u8 = undefined;
+            }
-                const date_str = lot.open_date.format(&lot_date_buf);
-                const indicator = fmt.capitalGainsIndicator(lot.open_date);
-                const status_str: []const u8 = if (lot.isOpen()) "open" else "closed";
-                const acct_col: []const u8 = lot.account orelse "";
 
-                // Compute lot gain/loss
+            if (!has_drip) {
-                const use_price = lot.close_price orelse a.current_price;
+                // No DRIP: show all individually
-                const gl = lot.shares * (use_price - lot.open_price);
+                for (lots_for_sym.items) |lot| {
-                var lot_gl_buf: [24]u8 = undefined;
+                    try printCliLotRow(out, color, lot, a.current_price);
-                const lot_gl_abs = if (gl >= 0) gl else -gl;
+                }
-                const lot_gl_money = fmt.fmtMoney(&lot_gl_buf, lot_gl_abs);
+            } else {
-                const lot_sign: []const u8 = if (gl >= 0) "+" else "-";
+                // Show non-DRIP lots individually
+                for (lots_for_sym.items) |lot| {
+                    if (!lot.drip) {
+                        try printCliLotRow(out, color, lot, a.current_price);
+                    }
+                }
 
+                // Summarize DRIP lots as ST/LT
+                var st_lots: usize = 0;
+                var st_shares: f64 = 0;
+                var st_cost: f64 = 0;
+                var st_first: ?zfin.Date = null;
+                var st_last: ?zfin.Date = null;
+                var lt_lots: usize = 0;
+                var lt_shares: f64 = 0;
+                var lt_cost: f64 = 0;
+                var lt_first: ?zfin.Date = null;
+                var lt_last: ?zfin.Date = null;
+
+                for (lots_for_sym.items) |lot| {
+                    if (!lot.drip) continue;
+                    const is_lt = std.mem.eql(u8, fmt.capitalGainsIndicator(lot.open_date), "LT");
+                    if (is_lt) {
+                        lt_lots += 1;
+                        lt_shares += lot.shares;
+                        lt_cost += lot.costBasis();
+                        if (lt_first == null or lot.open_date.days < lt_first.?.days) lt_first = lot.open_date;
+                        if (lt_last == null or lot.open_date.days > lt_last.?.days) lt_last = lot.open_date;
+                    } else {
+                        st_lots += 1;
+                        st_shares += lot.shares;
+                        st_cost += lot.costBasis();
+                        if (st_first == null or lot.open_date.days < st_first.?.days) st_first = lot.open_date;
+                        if (st_last == null or lot.open_date.days > st_last.?.days) st_last = lot.open_date;
+                    }
+                }
+
+                if (st_lots > 0) {
+                    var avg_buf: [24]u8 = undefined;
+                    var d1_buf: [10]u8 = undefined;
+                    var d2_buf: [10]u8 = undefined;
                     try setFg(out, color, CLR_MUTED);
-                try out.print("    {s:<6} {d:>8.1} {s:>10} {s:>10} {s:>16} ", .{
+                    try out.print("    ST: {d} DRIP lots, {d:.1} shares, avg {s}  ({s} to {s})\n", .{
-                    status_str, lot.shares, fmt.fmtMoney2(&lot_price_buf, lot.open_price), "", "",
+                        st_lots,
+                        st_shares,
+                        fmt.fmtMoney2(&avg_buf, if (st_shares > 0) st_cost / st_shares else 0),
+                        if (st_first) |d| d.format(&d1_buf)[0..7] else "?",
+                        if (st_last) |d| d.format(&d2_buf)[0..7] else "?",
                     });
                     try reset(out, color);
-                try setGainLoss(out, color, gl);
+                }
-                try out.print("{s}{s:>13}", .{ lot_sign, lot_gl_money });
+                if (lt_lots > 0) {
-                try reset(out, color);
+                    var avg_buf2: [24]u8 = undefined;
+                    var d1_buf2: [10]u8 = undefined;
+                    var d2_buf2: [10]u8 = undefined;
                     try setFg(out, color, CLR_MUTED);
-                try out.print(" {s:>8} {s} {s} {s}\n", .{ "", date_str, indicator, acct_col });
+                    try out.print("    LT: {d} DRIP lots, {d:.1} shares, avg {s}  ({s} to {s})\n", .{
+                        lt_lots,
+                        lt_shares,
+                        fmt.fmtMoney2(&avg_buf2, if (lt_shares > 0) lt_cost / lt_shares else 0),
+                        if (lt_first) |d| d.format(&d1_buf2)[0..7] else "?",
+                        if (lt_last) |d| d.format(&d2_buf2)[0..7] else "?",
+                    });
                     try reset(out, color);
                 }
             }
         }
+    }
 
     // Totals line
     try setFg(out, color, CLR_MUTED);
@@ -1370,18 +1420,58 @@ fn cmdPortfolio(allocator: std.mem.Allocator, config: zfin.Config, file_path: []
         try reset(out, color);
     }
 
-    // Watchlist
+    // Watchlist (from watch lots in portfolio + separate watchlist file)
+    {
+        var store = zfin.cache.Store.init(allocator, config.cache_dir);
+        var any_watch = false;
+        var watch_seen = std.StringHashMap(void).init(allocator);
+        defer watch_seen.deinit();
+
+        // Mark portfolio position symbols as seen
+        for (summary.allocations) |a| {
+            try watch_seen.put(a.symbol, {});
+        }
+
+        // Helper to render a watch symbol
+        const renderWatch = struct {
+            fn f(o: anytype, c: bool, s: *zfin.cache.Store, a2: std.mem.Allocator, sym: []const u8, any: *bool) !void {
+                if (!any.*) {
+                    try o.print("\n", .{});
+                    try setBold(o, c);
+                    try o.print("  Watchlist:\n", .{});
+                    try reset(o, c);
+                    any.* = true;
+                }
+                var price_str2: [16]u8 = undefined;
+                var ps2: []const u8 = "--";
+                const cached2 = s.readRaw(sym, .candles_daily) catch null;
+                if (cached2) |cdata2| {
+                    defer a2.free(cdata2);
+                    if (zfin.cache.Store.deserializeCandles(a2, cdata2)) |candles2| {
+                        defer a2.free(candles2);
+                        if (candles2.len > 0) {
+                            ps2 = fmt.fmtMoney2(&price_str2, candles2[candles2.len - 1].close);
+                        }
+                    } else |_| {}
+                }
+                try o.print("  {s:<6} {s:>10}\n", .{ sym, ps2 });
+            }
+        }.f;
+
+        // Watch lots from portfolio
+        for (portfolio.lots) |lot| {
+            if (lot.lot_type == .watch) {
+                if (watch_seen.contains(lot.symbol)) continue;
+                try watch_seen.put(lot.symbol, {});
+                try renderWatch(out, color, &store, allocator, lot.symbol, &any_watch);
+            }
+        }
+
+        // Separate watchlist file (backward compat)
         if (watchlist_path) |wl_path| {
             const wl_data = std.fs.cwd().readFileAlloc(allocator, wl_path, 1024 * 1024) catch null;
             if (wl_data) |wd| {
                 defer allocator.free(wd);
-            var store = zfin.cache.Store.init(allocator, config.cache_dir);
-
-            try out.print("\n", .{});
-            try setBold(out, color);
-            try out.print("  Watchlist:\n", .{});
-            try reset(out, color);
-
                 var wl_lines = std.mem.splitScalar(u8, wd, '\n');
                 while (wl_lines.next()) |line| {
                     const trimmed = std.mem.trim(u8, line, &std.ascii.whitespace);
@@ -1391,20 +1481,10 @@ fn cmdPortfolio(allocator: std.mem.Allocator, config: zfin.Config, file_path: []
                         const end = std.mem.indexOfScalar(u8, rest, ',') orelse rest.len;
                         const sym = std.mem.trim(u8, rest[0..end], &std.ascii.whitespace);
                         if (sym.len > 0 and sym.len <= 10) {
-                        // Get price from cache if available
+                            if (watch_seen.contains(sym)) continue;
-                        var price_str: [16]u8 = undefined;
+                            try watch_seen.put(sym, {});
-                        var ps: []const u8 = "--";
+                            try renderWatch(out, color, &store, allocator, sym, &any_watch);
-                        const cached = store.readRaw(sym, .candles_daily) catch null;
-                        if (cached) |cdata| {
-                            defer allocator.free(cdata);
-                            if (zfin.cache.Store.deserializeCandles(allocator, cdata)) |candles| {
-                                defer allocator.free(candles);
-                                if (candles.len > 0) {
-                                    ps = fmt.fmtMoney2(&price_str, candles[candles.len - 1].close);
                         }
-                            } else |_| {}
-                        }
-                        try out.print("  {s:<6} {s:>10}\n", .{ sym, ps });
                     }
                 }
             }
@@ -1461,6 +1541,34 @@ fn cmdPortfolio(allocator: std.mem.Allocator, config: zfin.Config, file_path: []
     try out.flush();
 }
 
+fn printCliLotRow(out: anytype, color: bool, lot: zfin.Lot, current_price: f64) !void {
+    var lot_price_buf: [24]u8 = undefined;
+    var lot_date_buf: [10]u8 = undefined;
+    const date_str = lot.open_date.format(&lot_date_buf);
+    const indicator = fmt.capitalGainsIndicator(lot.open_date);
+    const status_str: []const u8 = if (lot.isOpen()) "open" else "closed";
+    const acct_col: []const u8 = lot.account orelse "";
+
+    const use_price = lot.close_price orelse current_price;
+    const gl = lot.shares * (use_price - lot.open_price);
+    var lot_gl_buf: [24]u8 = undefined;
+    const lot_gl_abs = if (gl >= 0) gl else -gl;
+    const lot_gl_money = fmt.fmtMoney(&lot_gl_buf, lot_gl_abs);
+    const lot_sign: []const u8 = if (gl >= 0) "+" else "-";
+
+    try setFg(out, color, CLR_MUTED);
+    try out.print("    {s:<6} {d:>8.1} {s:>10} {s:>10} {s:>16} ", .{
+        status_str, lot.shares, fmt.fmtMoney2(&lot_price_buf, lot.open_price), "", "",
+    });
+    try reset(out, color);
+    try setGainLoss(out, color, gl);
+    try out.print("{s}{s:>13}", .{ lot_sign, lot_gl_money });
+    try reset(out, color);
+    try setFg(out, color, CLR_MUTED);
+    try out.print(" {s:>8} {s} {s} {s}\n", .{ "", date_str, indicator, acct_col });
+    try reset(out, color);
+}
+
 fn cmdCache(allocator: std.mem.Allocator, config: zfin.Config, subcommand: []const u8) !void {
     if (std.mem.eql(u8, subcommand, "stats")) {
         var buf: [4096]u8 = undefined;

src/models/portfolio.zig

@@ -7,6 +7,7 @@ pub const LotType = enum {
     option, // option contracts
     cd, // certificates of deposit
     cash, // cash/money market
+    watch, // watchlist item (no position, just track price)
 
     pub fn label(self: LotType) []const u8 {
         return switch (self) {
@@ -14,6 +15,7 @@ pub const LotType = enum {
             .option => "Option",
             .cd => "CD",
             .cash => "Cash",
+            .watch => "Watch",
         };
     }
 
@@ -21,6 +23,7 @@ pub const LotType = enum {
         if (std.mem.eql(u8, s, "option")) return .option;
         if (std.mem.eql(u8, s, "cd")) return .cd;
         if (std.mem.eql(u8, s, "cash")) return .cash;
+        if (std.mem.eql(u8, s, "watch")) return .watch;
         return .stock;
     }
 };
@@ -45,6 +48,9 @@ pub const Lot = struct {
     maturity_date: ?Date = null,
     /// Interest rate (for CDs, as percentage e.g. 3.8 = 3.8%)
     rate: ?f64 = null,
+    /// Whether this lot is from dividend reinvestment (DRIP).
+    /// DRIP lots are summarized as ST/LT groups instead of shown individually.
+    drip: bool = false,
 
     pub fn isOpen(self: Lot) bool {
         return self.close_date == null;
@@ -275,6 +281,19 @@ pub const Portfolio = struct {
         }
         return false;
     }
+
+    /// Get watchlist symbols (from watch lots in the portfolio).
+    pub fn watchSymbols(self: Portfolio, allocator: std.mem.Allocator) ![][]const u8 {
+        var result = std.ArrayList([]const u8).empty;
+        errdefer result.deinit(allocator);
+
+        for (self.lots) |lot| {
+            if (lot.lot_type == .watch) {
+                try result.append(allocator, lot.symbol);
+            }
+        }
+        return result.toOwnedSlice(allocator);
+    }
 };
 
 test "lot basics" {

src/tui/keybinds.zig

@@ -25,6 +25,7 @@ pub const Action = enum {
     symbol_input,
     help,
     edit,
+    reload_portfolio,
     collapse_all_calls,
     collapse_all_puts,
     options_filter_1,
@@ -102,6 +103,7 @@ const default_bindings = [_]Binding{
     .{ .action = .symbol_input, .key = .{ .codepoint = '/' } },
     .{ .action = .help, .key = .{ .codepoint = '?' } },
     .{ .action = .edit, .key = .{ .codepoint = 'e' } },
+    .{ .action = .reload_portfolio, .key = .{ .codepoint = 'R' } },
     .{ .action = .collapse_all_calls, .key = .{ .codepoint = 'c' } },
     .{ .action = .collapse_all_puts, .key = .{ .codepoint = 'p' } },
     .{ .action = .options_filter_1, .key = .{ .codepoint = '1', .mods = .{ .ctrl = true } } },

src/tui/main.zig

@@ -64,8 +64,15 @@ const PortfolioRow = struct {
     lot: ?zfin.Lot = null,
     /// Number of lots for this symbol (set on position rows)
     lot_count: usize = 0,
+    /// DRIP summary data (for drip_summary rows)
+    drip_is_lt: bool = false, // true = LT summary, false = ST summary
+    drip_lot_count: usize = 0,
+    drip_shares: f64 = 0,
+    drip_avg_cost: f64 = 0,
+    drip_date_first: ?zfin.Date = null,
+    drip_date_last: ?zfin.Date = null,
 
-    const Kind = enum { position, lot, watchlist, section_header, option_row, cd_row, cash_row, cash_total };
+    const Kind = enum { position, lot, watchlist, section_header, option_row, cd_row, cash_row, cash_total, drip_summary };
 };
 
 /// Styled line for rendering
@@ -481,6 +488,10 @@ const App = struct {
                     return ctx.consumeAndRedraw();
                 }
             },
+            .reload_portfolio => {
+                self.reloadPortfolioFile();
+                return ctx.consumeAndRedraw();
+            },
             .collapse_all_calls => {
                 if (self.active_tab == .options) {
                     self.toggleAllCallsPuts(true);
@@ -547,7 +558,7 @@ const App = struct {
                     self.rebuildPortfolioRows();
                 }
             },
-            .lot, .option_row, .cd_row, .cash_row, .section_header => {},
+            .lot, .option_row, .cd_row, .cash_row, .section_header, .drip_summary => {},
             .cash_total => {
                 self.cash_expanded = !self.cash_expanded;
                 self.rebuildPortfolioRows();
@@ -807,12 +818,21 @@ const App = struct {
         self.freePortfolioSummary();
 
         // Fetch data for watchlist symbols so they have prices to display
+        // (from both the separate watchlist file and watch lots in the portfolio)
         if (self.watchlist) |wl| {
             for (wl) |sym| {
                 const result = self.svc.getCandles(sym) catch continue;
                 self.allocator.free(result.data);
             }
         }
+        if (self.portfolio) |pf| {
+            for (pf.lots) |lot| {
+                if (lot.lot_type == .watch) {
+                    const result = self.svc.getCandles(lot.symbol) catch continue;
+                    self.allocator.free(result.data);
+                }
+            }
+        }
 
         const pf = self.portfolio orelse return;
 
@@ -935,6 +955,15 @@ const App = struct {
                             }
                         }
                         std.mem.sort(zfin.Lot, matching.items, {}, fmt.lotSortFn);
+
+                        // Check if any lots are DRIP
+                        var has_drip = false;
+                        for (matching.items) |lot| {
+                            if (lot.drip) { has_drip = true; break; }
+                        }
+
+                        if (!has_drip) {
+                            // No DRIP lots: show all individually
                             for (matching.items) |lot| {
                                 self.portfolio_rows.append(self.allocator, .{
                                     .kind = .lot,
@@ -943,24 +972,112 @@ const App = struct {
                                     .lot = lot,
                                 }) catch continue;
                             }
+                        } else {
+                            // Has DRIP lots: show non-DRIP individually, summarize DRIP as ST/LT
+                            for (matching.items) |lot| {
+                                if (!lot.drip) {
+                                    self.portfolio_rows.append(self.allocator, .{
+                                        .kind = .lot,
+                                        .symbol = lot.symbol,
+                                        .pos_idx = i,
+                                        .lot = lot,
+                                    }) catch continue;
+                                }
+                            }
+
+                            // Build ST and LT DRIP summaries
+                            var st_lots: usize = 0;
+                            var st_shares: f64 = 0;
+                            var st_cost: f64 = 0;
+                            var st_first: ?zfin.Date = null;
+                            var st_last: ?zfin.Date = null;
+                            var lt_lots: usize = 0;
+                            var lt_shares: f64 = 0;
+                            var lt_cost: f64 = 0;
+                            var lt_first: ?zfin.Date = null;
+                            var lt_last: ?zfin.Date = null;
+
+                            for (matching.items) |lot| {
+                                if (!lot.drip) continue;
+                                const is_lt = std.mem.eql(u8, fmt.capitalGainsIndicator(lot.open_date), "LT");
+                                if (is_lt) {
+                                    lt_lots += 1;
+                                    lt_shares += lot.shares;
+                                    lt_cost += lot.costBasis();
+                                    if (lt_first == null or lot.open_date.days < lt_first.?.days) lt_first = lot.open_date;
+                                    if (lt_last == null or lot.open_date.days > lt_last.?.days) lt_last = lot.open_date;
+                                } else {
+                                    st_lots += 1;
+                                    st_shares += lot.shares;
+                                    st_cost += lot.costBasis();
+                                    if (st_first == null or lot.open_date.days < st_first.?.days) st_first = lot.open_date;
+                                    if (st_last == null or lot.open_date.days > st_last.?.days) st_last = lot.open_date;
+                                }
+                            }
+
+                            if (st_lots > 0) {
+                                self.portfolio_rows.append(self.allocator, .{
+                                    .kind = .drip_summary,
+                                    .symbol = a.symbol,
+                                    .pos_idx = i,
+                                    .drip_is_lt = false,
+                                    .drip_lot_count = st_lots,
+                                    .drip_shares = st_shares,
+                                    .drip_avg_cost = if (st_shares > 0) st_cost / st_shares else 0,
+                                    .drip_date_first = st_first,
+                                    .drip_date_last = st_last,
+                                }) catch {};
+                            }
+                            if (lt_lots > 0) {
+                                self.portfolio_rows.append(self.allocator, .{
+                                    .kind = .drip_summary,
+                                    .symbol = a.symbol,
+                                    .pos_idx = i,
+                                    .drip_is_lt = true,
+                                    .drip_lot_count = lt_lots,
+                                    .drip_shares = lt_shares,
+                                    .drip_avg_cost = if (lt_shares > 0) lt_cost / lt_shares else 0,
+                                    .drip_date_first = lt_first,
+                                    .drip_date_last = lt_last,
+                                }) catch {};
+                            }
+                        }
                     }
                 }
             }
         }
 
-        // Add watchlist items (integrated, dimmed)
+        // Add watchlist items from both the separate watchlist file and
+        // watch lots embedded in the portfolio. Skip symbols already in allocations.
+        var watch_seen = std.StringHashMap(void).init(self.allocator);
+        defer watch_seen.deinit();
+
+        // Mark all portfolio position symbols as seen
+        if (self.portfolio_summary) |s| {
+            for (s.allocations) |a| {
+                watch_seen.put(a.symbol, {}) catch {};
+            }
+        }
+
+        // Watch lots from portfolio file
+        if (self.portfolio) |pf| {
+            for (pf.lots) |lot| {
+                if (lot.lot_type == .watch) {
+                    if (watch_seen.contains(lot.symbol)) continue;
+                    watch_seen.put(lot.symbol, {}) catch {};
+                    self.portfolio_rows.append(self.allocator, .{
+                        .kind = .watchlist,
+                        .symbol = lot.symbol,
+                    }) catch continue;
+                }
+            }
+        }
+
+        // Separate watchlist file (backward compat)
         if (self.watchlist) |wl| {
             for (wl) |sym| {
-                if (self.portfolio_summary) |s| {
+                if (watch_seen.contains(sym)) continue;
-                    var found = false;
+                watch_seen.put(sym, {}) catch {};
-                    for (s.allocations) |a| {
-                        if (std.mem.eql(u8, a.symbol, sym)) {
-                            found = true;
-                            break;
-                        }
-                    }
-                    if (found) continue;
-                }
                 self.portfolio_rows.append(self.allocator, .{
                     .kind = .watchlist,
                     .symbol = sym,
@@ -1249,6 +1366,117 @@ const App = struct {
         self.portfolio_rows.clearRetainingCapacity();
     }
 
+    /// Reload portfolio file from disk without re-fetching prices.
+    /// Uses cached candle data to recompute summary.
+    fn reloadPortfolioFile(self: *App) void {
+        // Re-read the portfolio file
+        if (self.portfolio) |*pf| pf.deinit();
+        self.portfolio = null;
+        if (self.portfolio_path) |path| {
+            const file_data = std.fs.cwd().readFileAlloc(self.allocator, path, 10 * 1024 * 1024) catch {
+                self.setStatus("Error reading portfolio file");
+                return;
+            };
+            defer self.allocator.free(file_data);
+            if (zfin.cache.deserializePortfolio(self.allocator, file_data)) |pf| {
+                self.portfolio = pf;
+            } else |_| {
+                self.setStatus("Error parsing portfolio file");
+                return;
+            }
+        } else {
+            self.setStatus("No portfolio file to reload");
+            return;
+        }
+
+        // Reload watchlist file too (if separate)
+        freeWatchlist(self.allocator, self.watchlist);
+        self.watchlist = null;
+        if (self.watchlist_path) |path| {
+            self.watchlist = loadWatchlist(self.allocator, path);
+        }
+
+        // Recompute summary using cached prices (no network)
+        self.freePortfolioSummary();
+        self.expanded = [_]bool{false} ** 64;
+        self.cash_expanded = false;
+        self.cursor = 0;
+        self.scroll_offset = 0;
+        self.portfolio_rows.clearRetainingCapacity();
+
+        const pf = self.portfolio orelse return;
+        const positions = pf.positions(self.allocator) catch {
+            self.setStatus("Error computing positions");
+            return;
+        };
+        defer self.allocator.free(positions);
+
+        var prices = std.StringHashMap(f64).init(self.allocator);
+        defer prices.deinit();
+
+        const syms = pf.stockSymbols(self.allocator) catch {
+            self.setStatus("Error getting symbols");
+            return;
+        };
+        defer self.allocator.free(syms);
+
+        var latest_date: ?zfin.Date = null;
+        var missing: usize = 0;
+        for (syms) |sym| {
+            // Cache only — no network
+            const candles_slice = self.svc.getCachedCandles(sym);
+            if (candles_slice) |cs| {
+                defer self.allocator.free(cs);
+                if (cs.len > 0) {
+                    prices.put(sym, cs[cs.len - 1].close) catch {};
+                    const d = cs[cs.len - 1].date;
+                    if (latest_date == null or d.days > latest_date.?.days) latest_date = d;
+                }
+            } else {
+                missing += 1;
+            }
+        }
+        self.candle_last_date = latest_date;
+
+        var summary = zfin.risk.portfolioSummary(self.allocator, positions, prices) catch {
+            self.setStatus("Error computing portfolio summary");
+            return;
+        };
+
+        if (summary.allocations.len == 0) {
+            summary.deinit(self.allocator);
+            self.setStatus("No cached prices available");
+            return;
+        }
+
+        // Include non-stock assets
+        const cash_total = pf.totalCash();
+        const cd_total_val = pf.totalCdFaceValue();
+        const opt_total = pf.totalOptionCost();
+        const non_stock = cash_total + cd_total_val + opt_total;
+        summary.total_value += non_stock;
+        summary.total_cost += non_stock;
+        if (summary.total_cost > 0) {
+            summary.unrealized_return = summary.unrealized_pnl / summary.total_cost;
+        }
+        if (summary.total_value > 0) {
+            for (summary.allocations) |*a| {
+                a.weight = a.market_value / summary.total_value;
+            }
+        }
+
+        self.portfolio_summary = summary;
+        self.rebuildPortfolioRows();
+
+        if (missing > 0) {
+            var warn_buf: [128]u8 = undefined;
+            const warn_msg = std.fmt.bufPrint(&warn_buf, "Reloaded. {d} symbols missing cached prices", .{missing}) catch "Reloaded (some prices missing)";
+            self.setStatus(warn_msg);
+        } else {
+            self.setStatus("Portfolio reloaded from disk");
+        }
+    }
+
     // ── Drawing ──────────────────────────────────────────────────
 
     fn typeErasedDrawFn(ptr: *anyopaque, ctx: vaxis.vxfw.DrawContext) std.mem.Allocator.Error!vaxis.vxfw.Surface {
@@ -1708,6 +1936,24 @@ const App = struct {
                         try lines.append(arena, .{ .text = text, .style = row_style5 });
                     }
                 },
+                .drip_summary => {
+                    const label_str: []const u8 = if (row.drip_is_lt) "LT" else "ST";
+                    var drip_avg_buf: [24]u8 = undefined;
+                    var drip_d1_buf: [10]u8 = undefined;
+                    var drip_d2_buf: [10]u8 = undefined;
+                    const drip_d1: []const u8 = if (row.drip_date_first) |d| d.format(&drip_d1_buf)[0..7] else "?";
+                    const drip_d2: []const u8 = if (row.drip_date_last) |d| d.format(&drip_d2_buf)[0..7] else "?";
+                    const text = try std.fmt.allocPrint(arena, "    {s}: {d} DRIP lots, {d:.1} shares, avg {s}  ({s} to {s})", .{
+                        label_str,
+                        row.drip_lot_count,
+                        row.drip_shares,
+                        fmt.fmtMoney2(&drip_avg_buf, row.drip_avg_cost),
+                        drip_d1,
+                        drip_d2,
+                    });
+                    const drip_style = if (is_cursor) th.selectStyle() else th.mutedStyle();
+                    try lines.append(arena, .{ .text = text, .style = drip_style });
+                },
             }
             // Map all styled lines produced by this row back to the row index
             const lines_after = lines.items.len;