Read your Moomoo account screen — Total Assets, Net Assets, Total Cash, Withdrawable and Cash BP

“Daus, where do I see my money that I haven’t used yet? Why is the number at the top different from the one below?”

This is one of the questions Daus gets most often. The Accounts tab in Moomoo is full of numbers, and some of them look the same but mean different things. This page explains each one, using Daus’s own account screen. The numbers in Daus’s account are blurred, but every line sits in the same position as in your account.

Start here: Accounts tab → Assets → Securities

Open the Accounts tab in the bottom bar. Under the account name (Universal Account) there are four small tabs: Assets · Orders · History · Transfers. Make sure you’re on Assets, then pick Securities (not Funds).

⤢abcde

1. aTotal Assets — everything
2. bNet Assets — the stock side only
3. cMarket Value · Position P/L · Today's P/L
4. dTotal Cash · Withdrawable · Funds on Hold
5. eCash by currency (MYR, USD)

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Total Assets and Net Assets: why the numbers differ

Total Assets (the big number at the top) is the value of everything in your account: stocks, cash, and unit trust funds in the Funds tab, for example Cash Plus.

Net Assets in the Securities tab is only the stock and cash side. Funds in the Funds tab aren’t counted here.

So if you have money in Cash Plus, Total Assets will look bigger than Net Assets. That’s normal. In Daus’s account, for example, the big gap between those two numbers is the money in the Funds tab. Tap Funds next to Securities to see that side.

Reading the Securities panel, line by line

Net Assets — the net value of your stock side: the value of all the stocks you hold plus cash. If you owe margin, that debt is subtracted, so Net Assets ends up lower than Market Value.

Market Value — the current value of all the stocks and ETFs you hold, at today’s price.

Position P/L — the profit or loss on all your current holdings, compared with the price you bought at. Green is profit, red is loss (depending on your app’s colour setting). This isn’t real profit until you sell.

Today’s P/L — how much the value of your holdings changed today only, compared with yesterday’s close. A record of every day’s gain or loss is in the P/L Calendar (see the section below).

Total Cash — the cash in your account, all currencies combined and converted to ringgit for display. If this number is negative, it means you’re in debt.

Withdrawable — cash that has finished settlement and can be taken out straight to your bank. This is the app’s own explanation (tap the word Withdrawable): “funds that have completed exchange settlement and can be withdrawn directly to bank accounts.”

Funds on Hold — money that’s being held, for example for an order that’s still open.

Currency/Cash lines (tap the small arrow under the panel if you can’t see them) — your cash broken down by currency. The Cash BP (Cash Buying Power) column is the cash you can use to buy without borrowing.

Tap the arrow on Net Assets for the full breakdown

Tap › next to Net Assets. A details page opens with four sections:

• Assets — Market Value, Assets in Transit (assets being processed, for example a transfer or settlement) and Funds on Hold.
• Cash Details — cash in each currency: MYR, USD, SGD, HKD, CNH.
• Cash Withdrawable — how much can be taken out, by currency.
• Buying Power — buying power by currency.

⤢abc

1. aAssets
2. bCash Details by currency
3. cBuying Power

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Why is Withdrawable lower than Total Cash?

This is the one that worries people most. It’s usually because of one of these:

1. Sale proceeds haven’t settled yet. After you sell, Total Cash goes up immediately, but that money can only be withdrawn after settlement.
2. A deposit hasn’t finished processing, for example on a new account that hasn’t been approved yet.
3. There’s an order still open holding part of your money (Funds on Hold).
4. SmartSave is on. Your ringgit cash is automatically moved into Cash Plus every working-day morning, so it shifts to the Funds tab. To take it out, redeem Cash Plus first. How to do that is in the unit trust selling tutorial.
5. The account owes margin. If Total Cash is negative, Withdrawable usually shows 0 until the debt is cleared.

Signs your account is using margin (in debt)

Margin is a loan. In Moomoo, margin is on by default, and it kicks in by itself when your order is bigger than your cash. Many beginners don’t realise they’ve borrowed until they see strange numbers on this screen. The signs:

• Negative Total Cash, for example −1,185.00 MYR.
• In the Currency/Cash lines, the USD line is red or negative.
• Market Value is bigger than Net Assets.
• Some accounts that are using margin show a label such as On Margin or Risk Status near Net Assets.

This debt charges interest at 6.8% a year, calculated every day. How to clear it and how to turn margin off is in the margin tutorial.

“I just bought a US stock with ringgit and the USD line went negative. Am I in debt?”

Not necessarily. This is the case people worry about most.

When you buy a US stock, the order is in USD, but your account holds ringgit. Moomoo doesn’t convert your ringgit when the order is Filled. The ringgit is converted to USD at settlement. So between the order filling and settlement, the USD line can show a negative number (for example −445 USD), while the MYR line still shows your unconverted ringgit.

How to tell “waiting to convert” apart from “actually in debt”:

1. Look at Total Cash (all currencies combined). If it’s still positive, your ringgit covers the purchase.
2. Check Due in Margin Settings (Me → Settings → Accounts → Positions tab → Margin Settings). If it says Due 0.00 MYR, you have no debt.
3. Wait for settlement, usually within 2 business days. After that the USD line goes back to zero or positive, and the MYR line drops by the amount converted.

If overall Total Cash is negative, or Due isn’t 0.00, that’s margin. Also remember you can’t convert ringgit to USD yourself before buying. That’s why the Exchange screen shows Exchangeable Amount 0.00 even when you have ringgit. It’s normal, and the reason is explained in FEP declaration and Exchangeable 0.00.

“The stock is green in my watchlist, but my P/L is red?”

The percentage in your watchlist is that stock’s price change today. Your P/L follows the price you bought at. If you bought when the price was high, the stock can rise today and you can still be at a loss overall. Both are correct; they just measure different things.

To see which stocks your profit comes from, scroll down to the Positions list. Each line shows that stock’s market value, cost, and its own profit or loss. A full explanation of what happens after you buy is in the after your first buy tutorial.

Your daily and monthly profit and loss (P/L Calendar)

Want to see your profit or loss for each day, week or month? In the Accounts tab, tap Assets Analysis at the top right, next to the Total Assets figure. The My Assets page opens. Scroll down and there are three parts:

• Trend Analysis — your account’s performance compared with indexes such as the S&P 500, NASDAQ and KLSE. Pick 1W, 1M or YTD.
• Assets Trend — a chart of Net Assets over time, and Daily Returns (that day’s gain or loss).
• P/L Calendar — each day’s gain or loss as a percentage. Switch between Monthly and Year.

If month after month shows more red days because you buy and sell often, read day trading vs long-term investing.

Record of money in and out

Want to check whether your deposit has arrived? Go to Accounts → Transfers. At the bottom there’s a History section with two tabs, Deposit and Withdrawal, listing every transaction with its date and status.

⤢ab

1. aDeposit, Withdraw, Exchange and more
2. bDeposit & withdrawal history

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This content is educational sharing, not financial advice.