For people with dividends, interest or realised gains to account for in the UAE
Investment income, on the books with everything else.
Your statement says what a holding is worth. It does not say what the year cost you to run, and it does not leave your accountant anything to work from.
Platform fees, data subscriptions and a dozen small charges spread across twelve months, and income that has to be reconstructed from statements when something is finally due.
Three messages, and the ledger they write
These are messages you could send today. Underneath each one is exactly what LedgerChat posts — the real accounts, the real directions. Every entry has two sides, and both sides balance.
Money received, booked as the income it is.
| Account | Debit | Credit |
|---|---|---|
| Bank | AED 4,400 | |
| Investment income | AED 4,400 |
A cost of holding the account, categorised as it is charged.
| Account | Debit | Credit |
|---|---|---|
| Purchases | AED 170 | |
| Bank | AED 170 |
Income that arrives on its own.
| Account | Debit | Credit |
|---|---|---|
| Bank | AED 1,150 | |
| Investment income | AED 1,150 |
Questions people with dividends, interest or realised gains to account for ask
- Is any of this investment advice?
- No, and it could not be. LedgerChat records money that has already moved. It does not recommend anything, value anything, rank anything or tell you what to do next — there is no part of it that could. If you want advice, speak to somebody licensed to give it.
- Does it track my holdings?
- No, and it will not pretend to. LedgerChat has no asset accounts, so it cannot hold a position at cost, work out a basis, or mark anything to market. Your broker or platform does that, and does it better. This keeps the books around it.
- So what is it for?
- The bookkeeping: income received, costs paid, and a categorised year you can hand to whoever files for you. Most people have statements and no expense records; this is the missing half.
- Is it worth it if I invest occasionally?
- Probably not. If your costs are a handful a year, a spreadsheet is fine. This earns its keep when the charges are constant and the year is otherwise unreconstructable.
Your ledger is one message away.
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