# `zfin import`

Synthesize a portfolio file from a brokerage positions export. Designed
for managed accounts (direct-indexing baskets, accounts you don't track
at lot granularity).

```
Usage: zfin -p <PORTFOLIO> import (--fidelity FILE | --schwab FILE | --wells-fargo FILE) [-y]
```

Each run **replaces** the target portfolio file with lots drawn from the
export:

- **Fidelity and Schwab** exports are per-position, so each (account,
  symbol) becomes one synthetic lot. Per-buy history is lost; git serves
  as the file-level history.
- **Wells Fargo** exports list every tax lot, so each WF lot becomes a
  lot with its real trade date and cost. One WF file covers every
  account in the household.

**Re-import merge:** when the target already exists, lots still present
in the new export keep their prior `note::` and every hand-edited field
(`ticker::`, `label::`, `price::`, `price_ratio::`, `drip::`, ...), so
`git diff` flags only genuine brokerage changes. A lot whose export row
has no buy date (every Fidelity/Schwab position, and a Wells Fargo
`Intra-Day` fund) also keeps its prior `open_date` and `open_price`; new
ones get an `open_date::1970-01-01` sentinel. Disappeared positions are
dropped.

## Options

| Flag                     | Effect                                                          |
|--------------------------|-----------------------------------------------------------------|
| `-p, --portfolio <FILE>` | Target file (a single concrete path, not a glob). **Required.** |
| `--fidelity <CSV>`       | Fidelity positions CSV.                                         |
| `--schwab <CSV>`         | Schwab per-account positions CSV.                               |
| `--wells-fargo <XLS>`    | Wells Fargo positions spreadsheet (`-` for stdin). See below.   |
| `-y, --yes`              | Don't prompt before overwriting an existing file.               |

Account resolution needs an [`accounts.srf`](../config/accounts-srf.md)
next to the target with `institution::` + `account_number::` entries
matching the export; import refuses to write when an export account is
unmapped.

A target that doesn't exist yet is created in the current directory, so
run a first import from the portfolio's own directory.

## Wells Fargo

On the WF site, download the positions spreadsheet with **Download
Type** "Portfolio-Expanded Detail", **Portfolio View** "Positions", for
all brokerage accounts. It saves as `WFA_Portfolio_Positions_*.xls`.

- "Portfolio-Collapsed Detail" has no per-lot rows; import rejects it.
- Each row names its account as `*1234`; map it with
  `institution::wells_fargo,account_number::1234`.
- Cash is one lot per account: cash balance, sweep, and accrued
  interest combined, matching WF's own cash total.

## Direct-indexing accounts

An account flagged `direct_indexing:bool:true` in
[`accounts.srf`](../config/accounts-srf.md) churns too much to track lot
by lot (a tax-loss-harvesting sleeve, a mechanical rotation strategy).
Import never writes its individual holdings. Instead the account lives
as **one proxy lot** that you seed once by hand in the target file: a
`ticker::` alias to a fund that tracks the account, e.g.

```srf
symbol::DI-ROTH,ticker::VTI,shares:num:1000,open_date::2025-01-02,open_price:num:250,account::Sample Roth IRA,note::direct indexing proxy
```

On every import, the proxy is carried forward unchanged except for
`price_ratio`, which is set so that shares x the ticker's close x
`price_ratio` equals the account's securities in the export. The close
used is the export's own price date (Wells Fargo's "Priced as of" date;
today for other sources). The account's cash still imports as a normal
cash lot, and the summary reports each re-pricing.

- Any share count works; pick `open_price` so shares x `open_price` is
  the account's cost basis if you want gain/loss to mean something.
- Import refuses, with a ready-to-paste line, when the account has no
  stock lot or more than one in the target file, and when the proxy
  cannot be priced (no shares, no close for its ticker, or an account
  that now holds only cash).

## Example

```bash
zfin -p portfolio_managed.srf import --fidelity ~/Downloads/Portfolio_Positions.csv
zfin -p portfolio_wells_fargo.srf import --wells-fargo ~/Downloads/WFA_Portfolio_Positions_100326_1247.xls
```

## See also

- [`audit`](audit.md) -- reconcile an existing portfolio against an export instead of replacing it.
- [Map your accounts](../../guides/set-up-accounts.md) -- the institution/number mapping import needs.

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[CLI command reference](index.md)