Investment institutions connected via Plaid allow for intra-day updates, which means you can see trades. If you make a trade during market hours, you can pull down from the top of the app (in the iOS app) or tap the refresh icon located in the top left corner of the mac app to force a refresh on your investment accounts.

Please note: At this time, Vanguard and TIAA accounts connected via Plaid only support one update a day.

For all other data aggregators, we receive an update from each institution with your account balance and holdings once a day. This happens the morning after the market closes. This means we receive updates once a day from Tuesday through Saturday. Note that any bank holidays will cause a delay in data refreshes. Because we receive only one update a day from your institutions, the live estimate will be obsolete for non-Plaid investment accounts if you make a trade during the day.

In order to improve the experience of keeping track of your investments, we created the option to turn on Live Estimates for your balances. We combine near real-time market data with any update we receive from your institutions to show you how your holdings are performing today.

For example, if you have a Robinhood account connected with a balance of $100 and two holdings:

During the day, the price of Apple’s stock increases from $148.61 to $163.47, a 10% increase. Dogecoin also goes up in value, but by 20% to $0.38.
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Copilot’s live balance estimate will be: (0.47 * 163.47) + (94 * 0.38) = $112.55.

These estimates are never stored in your balance history.

We need to receive the correct holdings information from your institutions in order to provide an accurate estimate. If you’re seeing an estimate that doesn’t make sense please turn off this feature for that account and contact us through the app. We’ll try to troubleshoot the data quality problem with our providers.

In order to provide a correct estimate, we do a sanity check once a day based on the information we receive from your institutions. If this feature is off for one or more of your accounts, that means we’re not receiving the correct information for it. Please contact us and let us know the holdings information you should be seeing in Copilot.