diff --git a/frontend/src/components/wealth/AssetRefreshControl.vue b/frontend/src/components/wealth/AssetRefreshControl.vue
index 5950cea..43b0888 100644
--- a/frontend/src/components/wealth/AssetRefreshControl.vue
+++ b/frontend/src/components/wealth/AssetRefreshControl.vue
@@ -7,12 +7,17 @@
     <p v-if="error" class="mt-3 rounded-lg bg-rose-50 p-3 text-sm text-rose-800" role="alert" data-testid="asset-refresh-error">{{ error }}</p>
     <div v-if="job" class="mt-4" aria-live="polite" data-testid="asset-refresh-status">
       <p class="text-sm font-semibold">Jobstatus: {{ statusLabel(job.status) }}</p>
+      <p v-if="job.status === 'partial'" class="mt-2 rounded-lg border border-amber-200 bg-amber-50 p-3 text-sm text-amber-950">Ein Teil der Preise wurde aktualisiert. Die übrigen Vermögenswerte bleiben mit ihrem letzten bekannten Kurs sichtbar.</p>
+      <p v-else-if="job.status === 'failed'" class="mt-2 rounded-lg border border-rose-200 bg-rose-50 p-3 text-sm text-rose-900">Es konnte keine verwertbare Preisquelle verarbeitet werden. Bestehende Bewertungen wurden nicht verändert.</p>
+      <p v-if="!running" class="mt-2 text-sm text-slate-700" data-testid="asset-refresh-summary">{{ job.successful_assets }} aktualisiert · {{ job.fresh_unchanged_assets }} bereits aktuell · {{ job.stale_assets }} weiterhin veraltet · {{ job.failed_assets }} mit Fehler</p>
+      <p v-if="!running" class="mt-1 text-xs text-slate-600">Nächste Aktion: {{ job.next_action }}</p>
       <ul class="mt-3 grid gap-2 sm:grid-cols-2 xl:grid-cols-3" data-testid="asset-refresh-sources">
         <li v-for="source in job.sources" :key="source.source" class="rounded-lg border border-slate-200 bg-white p-3 text-sm" :data-testid="`asset-refresh-source-${source.source}`">
           <div class="flex items-center justify-between gap-2"><strong>{{ sourceLabel(source.source) }}</strong><span :class="source.status === 'failed' ? 'text-rose-700' : 'text-slate-600'">{{ statusLabel(source.status) }}</span></div>
           <div class="mt-2 h-2 overflow-hidden rounded-full bg-slate-200" role="progressbar" :aria-label="`${sourceLabel(source.source)} Fortschritt`" :aria-valuenow="progress(source)" aria-valuemin="0" aria-valuemax="100"><div class="h-full rounded-full bg-cyan-600" :style="{ width: `${progress(source)}%` }" /></div>
-          <p class="mt-2 text-xs text-slate-600">{{ source.updated_count }} aktualisiert · {{ source.stale_candidates }} geprüft</p>
-          <p v-if="source.error_code" class="mt-1 text-xs text-rose-700">{{ source.error_code }}</p>
+          <p class="mt-2 text-xs text-slate-600">{{ source.updated_count }} aktualisiert · {{ source.fresh_unchanged_count }} bereits aktuell · {{ source.stale_remaining_count }} veraltet</p>
+          <p v-if="source.failed_count" class="mt-1 text-xs text-rose-700">{{ source.failed_count }} Instrument(e) konnten nicht aktualisiert werden.</p>
+          <details v-if="source.error_code || source.diagnostics.length" class="mt-2"><summary class="cursor-pointer text-xs font-semibold text-slate-500">Technische Details</summary><code class="mt-1 block break-all text-xs text-slate-500">{{ [source.error_code, ...source.diagnostics].filter(Boolean).join(' · ') }}</code></details>
         </li>
       </ul>
     </div>
@@ -31,9 +36,10 @@ const running = computed(() => job.value?.status === 'queued' || job.value?.stat
 function statusLabel(value: string) { return ({ queued: 'Eingeplant', pending: 'Ausstehend', running: 'Läuft', complete: 'Abgeschlossen', skipped: 'Aktuell', partial: 'Teilweise abgeschlossen', failed: 'Fehlgeschlagen' } as Record<string, string>)[value] ?? value }
 function sourceLabel(value: AssetRefreshSourceStatus['source']) { return ({ equity: 'Aktien / ETF', crypto: 'Krypto', fx: 'FX' } as const)[value] }
 function progress(source: AssetRefreshSourceStatus) { return ['complete', 'failed', 'skipped'].includes(source.status) ? 100 : source.status === 'running' ? 50 : 0 }
-async function start() { if (starting.value || running.value) return; starting.value = true; error.value = null; try { job.value = await startAssetRefreshJob(); if (running.value) schedulePoll(); else emit('completed') } catch (cause) { error.value = cause instanceof Error ? cause.message : 'Aktualisierung konnte nicht gestartet werden.' } finally { starting.value = false } }
+function friendlyError(cause: unknown, fallback: string) { const message=cause instanceof Error?cause.message:''; return message.includes('valuation source observation conflicts')?'Die Preisaktualisierung konnte nicht sicher abgeschlossen werden. Bestehende Bewertungen bleiben erhalten.':message||fallback }
+async function start() { if (starting.value || running.value) return; starting.value = true; error.value = null; try { job.value = await startAssetRefreshJob(); if (running.value) schedulePoll(); else emit('completed') } catch (cause) { error.value = friendlyError(cause, 'Aktualisierung konnte nicht gestartet werden.') } finally { starting.value = false } }
 function schedulePoll() { if (pollTimer) clearTimeout(pollTimer); pollTimer = setTimeout(() => { void poll() }, 1000) }
-async function poll() { if (!job.value) return; try { job.value = await getAssetRefreshJob(job.value.job_id, true); if (running.value) schedulePoll(); else emit('completed') } catch (cause) { error.value = cause instanceof Error ? cause.message : 'Jobstatus konnte nicht geladen werden.' } }
+async function poll() { if (!job.value) return; try { job.value = await getAssetRefreshJob(job.value.job_id, true); if (running.value) schedulePoll(); else emit('completed') } catch (cause) { error.value = friendlyError(cause, 'Jobstatus konnte nicht geladen werden.') } }
 onBeforeUnmount(() => { if (pollTimer) clearTimeout(pollTimer) })
 defineExpose({ start, poll, job })
 </script>
diff --git a/frontend/src/components/wealth/WealthCockpitPanel.vue b/frontend/src/components/wealth/WealthCockpitPanel.vue
index 47a7461..b66a1f4 100644
--- a/frontend/src/components/wealth/WealthCockpitPanel.vue
+++ b/frontend/src/components/wealth/WealthCockpitPanel.vue
@@ -4,35 +4,40 @@
       <div class="flex flex-wrap items-start justify-between gap-4">
         <div class="max-w-3xl">
           <p class="text-xs font-bold uppercase tracking-[0.18em] text-cyan-700">Vermögen</p>
-          <h2 class="mt-1 text-2xl font-bold text-slate-950">Modellierte Wertentwicklung</h2>
-          <p class="mt-1 text-sm text-slate-600">Geschätzte Entwicklung aus bestätigten Ankern, gespeicherten Tagesbewertungen und fortgeschriebenen bekannten Kontoständen. Keine verifizierte TTWROR oder XIRR.</p>
+          <h2 class="mt-1 text-2xl font-bold text-slate-950">Geschätzte Vermögensentwicklung</h2>
+          <p class="mt-1 text-sm text-slate-600">Seit dem letzten bestätigten Stand mit verfügbaren Marktpreisen fortgeschrieben.</p>
+          <details class="mt-2 text-sm text-slate-600"><summary class="cursor-pointer font-semibold text-cyan-800">Wie entsteht diese Schätzung?</summary><p class="mt-2">FinanceManager bewertet die zuletzt bestätigten Bestände mit verfügbaren Tageskursen weiter. Noch nicht importierte Käufe, Verkäufe, Dividenden, Gebühren oder andere Kontobewegungen können vorübergehend fehlen. Beim nächsten Import wird die Schätzung mit dem tatsächlichen Stand abgeglichen.</p></details>
         </div>
         <AssetRefreshControl @completed="load(true)" />
       </div>
       <AvailabilityState v-if="error" class="mt-4" state="error" title="Vermögens-Cockpit nicht verfügbar" :description="error" />
       <AvailabilityState v-else-if="loading && !cockpit" class="mt-4" state="loading" />
       <template v-else-if="modelled">
-        <div class="mt-5 grid gap-3 sm:grid-cols-2 xl:grid-cols-4" data-testid="modelled-kpis">
+        <div class="mt-5 grid gap-3 sm:grid-cols-2 xl:grid-cols-5" data-testid="modelled-kpis">
           <article class="rounded-xl border border-slate-200 bg-slate-50 p-4">
-            <p class="text-sm font-medium text-slate-600">Aktueller modellierter Gesamtwert</p>
+            <p class="text-sm font-medium text-slate-600">Geschätzter aktueller Wert</p>
             <p class="mt-2 text-xl font-bold text-slate-950">{{ moneyOrUnavailable(modelled.current?.value_chf) }}</p>
             <div class="mt-2 flex flex-wrap items-center gap-2 text-xs"><span :class="qualityClass(modelled.current?.quality)" data-testid="modelled-current-badge">{{ qualityLabel(modelled.current?.quality) }}</span><span class="text-slate-500">Stand {{ modelled.current ? dateLabel(modelled.current.date) : 'nicht verfügbar' }}</span></div>
           </article>
           <article class="rounded-xl border border-slate-200 bg-slate-50 p-4">
-            <p class="text-sm font-medium text-slate-600">Vergleichbarer Ausgangswert</p>
-            <p class="mt-2 text-xl font-bold text-slate-950">{{ moneyOrUnavailable(modelled.baseline?.value_chf) }}</p>
-            <p class="mt-2 text-xs text-slate-500">{{ modelled.baseline ? `${qualityLabel(modelled.baseline.quality)} · ${dateLabel(modelled.baseline.date)}` : 'Kein Ausgangswert' }}</p>
-            <p v-if="modelled.anchor" class="mt-1 text-xs text-slate-500">Wert am letzten bestätigten Importstichtag: {{ dateLabel(modelled.anchor.date) }} · {{ qualityLabel(modelled.anchor.quality) }}</p>
+            <p class="text-sm font-medium text-slate-600">Letzter bestätigter Stand</p>
+            <p class="mt-2 text-xl font-bold text-slate-950">{{ moneyOrUnavailable(modelled.anchor?.value_chf) }}</p>
+            <p class="mt-2 text-xs text-slate-500">{{ modelled.anchor ? `${dateLabel(modelled.anchor.date)} · ${qualityLabel(modelled.anchor.quality)}` : 'Kein bestätigter Stand' }}</p>
           </article>
           <article class="rounded-xl border border-slate-200 bg-slate-50 p-4">
             <p class="text-sm font-medium text-slate-600">Veränderung in CHF</p>
-            <p class="mt-2 text-xl font-bold text-slate-950">{{ signedMoney(modelled.change_chf) }}</p>
-            <p class="mt-2 text-xs text-slate-500">Seit dem gewählten Ausgangspunkt</p>
+            <p class="mt-2 text-xl font-bold text-slate-950">{{ signedMoney(anchorDifferenceChf) }}</p>
+            <p class="mt-2 text-xs text-slate-500">Schätzung minus bestätigter Stand</p>
           </article>
           <article class="rounded-xl border border-slate-200 bg-slate-50 p-4">
-            <p class="text-sm font-medium text-slate-600">Geschätzte Entwicklung</p>
-            <p class="mt-2 text-xl font-bold text-slate-950">{{ signedPercent(modelled.change_pct) }}</p>
-            <p class="mt-2 text-xs text-slate-500">Nicht als verifizierte Rendite verwenden</p>
+            <p class="text-sm font-medium text-slate-600">Differenz in Prozent</p>
+            <p class="mt-2 text-xl font-bold text-slate-950">{{ signedPercent(anchorDifferencePct) }}</p>
+            <p class="mt-2 text-xs text-slate-500">Keine Anlagerendite oder Gewinn-/Verlustangabe</p>
+          </article>
+          <article class="rounded-xl border border-slate-200 bg-slate-50 p-4">
+            <p class="text-sm font-medium text-slate-600">Verwendeter Kursstichtag</p>
+            <p class="mt-2 text-xl font-bold text-slate-950">{{ valuationCutoff ? dateLabel(valuationCutoff) : 'Nicht verfügbar' }}</p>
+            <p class="mt-2 text-xs text-slate-500">Ältester in der Schätzung verwendeter Marktpreisstand · Marktkomponenten: {{ valuationCounts.current }} aktuell · {{ valuationCounts.stale }} veraltet · {{ valuationCounts.missing }} fehlend</p>
           </article>
         </div>
         <p v-if="modelled.unknown_accounts.length" class="mt-3 rounded-xl border border-amber-200 bg-amber-50 p-3 text-sm text-amber-950" data-testid="modelled-unknown-accounts">Bekannte Teilsumme: {{ modelled.unknown_accounts.length }} Position(en) oder Konto/Konten ohne belastbare Bewertung sind nicht enthalten. Die übrige Entwicklung bleibt sichtbar.</p>
@@ -42,7 +47,7 @@
     <template v-if="cockpit && modelled">
       <section class="grid gap-5 xl:grid-cols-[1.65fr_1fr]">
         <article class="min-w-0 rounded-2xl border border-slate-200 bg-white/90 p-4 sm:p-5" data-testid="modelled-history">
-          <div class="flex flex-wrap items-start justify-between gap-2"><div><h3 class="text-lg font-semibold text-slate-950">Geschätzte Entwicklung</h3><p class="text-sm text-slate-600">Historie bis zum letzten bestätigten Anker durchgezogen; nur der anschliessende Abschnitt gestrichelt. Gemischte Komponentenqualität segmentiert die Gesamtlinie nicht.</p></div><span :class="qualityClass(modelled.current?.quality)">{{ qualityLabel(modelled.current?.quality) }}</span></div>
+          <div class="flex flex-wrap items-start justify-between gap-2"><div><h3 class="text-lg font-semibold text-slate-950">Geschätzte Vermögensentwicklung</h3><p class="text-sm text-slate-600">Historie bis zum letzten bestätigten Anker durchgezogen; nur der anschliessende Abschnitt gestrichelt. Gemischte Komponentenqualität segmentiert die Gesamtlinie nicht.</p></div><span :class="qualityClass(modelled.current?.quality)">{{ qualityLabel(modelled.current?.quality) }}</span></div>
           <WealthDevelopmentChart class="mt-4" :model="modelled" :period="period" @period-change="changePeriod" />
           <ul v-if="modelled.correction_markers.length" class="mt-3 space-y-2 text-sm" data-testid="correction-markers"><li v-for="marker in modelled.correction_markers" :key="`${marker.date}-${marker.source_key}`" class="rounded-lg border border-amber-200 bg-amber-50 p-2">Importkorrektur · bestätigte Komponente {{ dateLabel(marker.date) }} · Haushaltsanker bleibt unverändert · Abgleich {{ signedMoney(marker.difference_chf) }}</li></ul>
         </article>
@@ -101,6 +106,12 @@ const cockpit = ref<WealthCockpit | null>(null)
 const loading = ref(false)
 const error = ref<string | null>(null)
 const modelled = computed(() => cockpit.value?.modelled_development ?? null)
+const anchorDifferenceChf = computed(() => { const current=Number(modelled.value?.current?.value_chf); const anchor=Number(modelled.value?.anchor?.value_chf); return Number.isFinite(current)&&Number.isFinite(anchor)?String(current-anchor):null })
+const anchorDifferencePct = computed(() => { const change=Number(anchorDifferenceChf.value); const anchor=Number(modelled.value?.anchor?.value_chf); return anchorDifferenceChf.value!=null&&Number.isFinite(change)&&Number.isFinite(anchor)&&anchor!==0?String(change/anchor*100):null })
+const marketComponentKeys = new Set(['postfinance','truewealth','crypto'])
+const marketComponents = computed(() => (modelled.value?.components??[]).filter(item=>marketComponentKeys.has(item.key)))
+const valuationCutoff = computed(() => marketComponents.value.map(item=>item.as_of).filter((value):value is string=>Boolean(value)).sort()[0]??null)
+const valuationCounts = computed(() => { const components=marketComponents.value; const missingKeys=new Set(components.filter(item=>item.quality==='unavailable'||item.quality==='incomplete').map(item=>item.key)); for(const item of modelled.value?.unknown_accounts??[]){const key=item.key.replace('unknown-component-','');if(item.key.startsWith('unknown-component-')&&marketComponentKeys.has(key))missingKeys.add(key as typeof components[number]['key'])} return { current:components.filter(item=>item.quality==='confirmed'||item.quality==='modelled').length, stale:components.filter(item=>item.quality==='carried').length, missing:missingKeys.size } })
 
 function money(value: string | null | undefined) { const n=Number(value); return Number.isFinite(n) ? new Intl.NumberFormat('de-CH',{style:'currency',currency:'CHF'}).format(n) : 'Nicht verfügbar' }
 function moneyOrUnavailable(value: string | null | undefined) { return value == null ? 'Nicht verfügbar' : money(value) }
diff --git a/frontend/src/components/wealth/WealthDevelopmentChart.vue b/frontend/src/components/wealth/WealthDevelopmentChart.vue
index e293191..1672711 100644
--- a/frontend/src/components/wealth/WealthDevelopmentChart.vue
+++ b/frontend/src/components/wealth/WealthDevelopmentChart.vue
@@ -53,7 +53,7 @@ type ComponentKey = ModelledWealthPoint['components'][number]['key']
 const mode = ref<Mode>('total')
 const selectedIndex = ref(0)
 const periods: Array<{ value: WealthChartPeriod; label: string }> = [{ value: '1m', label: '1M' }, { value: '3m', label: '3M' }, { value: 'ytd', label: 'YTD' }, { value: '1y', label: '1J' }, { value: 'all', label: 'Max' }]
-const modes: Array<{ value: Mode; label: string }> = [{ value: 'total', label: 'Gesamt' }, { value: 'components', label: 'Komponenten' }, { value: 'performance', label: 'Wertentwicklung (modelliert)' }]
+const modes: Array<{ value: Mode; label: string }> = [{ value: 'total', label: 'Gesamt' }, { value: 'components', label: 'Komponenten' }, { value: 'performance', label: 'Geschätzte Veränderung' }]
 const palette: Record<string, string> = { total: '#0e7490', postfinance: '#2563eb', truewealth: '#7c3aed', crypto: '#c2410c', bank_cash: '#0f766e', other_assets: '#64748b' }
 const points = computed(() => props.model.points)
 const componentKeys = computed<ComponentKey[]>(() => {
@@ -96,7 +96,7 @@ const chartData = computed<ChartData<'line'>>(() => {
   return { labels: points.value.map(point => point.date), datasets: [...lines, { label: 'Bestätigte Snapshots / Importanker', data: confirmed, showLine: false, pointRadius: 4, pointHoverRadius: 6, pointBackgroundColor: '#ffffff', pointBorderColor: '#0e7490', pointBorderWidth: 2 }, { label: 'Korrekturen', data: corrections, showLine: false, pointStyle: 'rectRot', pointRadius: 6, pointBackgroundColor: '#f59e0b', pointBorderColor: '#92400e' }] }
 })
 function tooltipLines(index: number) { const point = points.value[index]; if (!point) return []; return [`Gesamtwert: ${money(point.value_chf)}`, `Veränderung: ${changeLabel(index)}`, ...componentKeys.value.map(key => `${componentLabel(key)}: ${moneyOrDash(componentValue(point, key))}`), `Qualität: ${qualityLabel(point.quality)}`, `Ereignis: ${eventLabel(point)}`] }
-const chartOptions = computed<ChartOptions<'line'>>(() => ({ responsive: true, maintainAspectRatio: false, interaction: { intersect: false, mode: 'index' }, animation: false, plugins: { legend: { display: mode.value === 'components', position: 'bottom', labels: { usePointStyle: true, boxWidth: 8, filter: item => !item.text.includes('nach Anker') && !['Korrekturen', 'Bestätigte Snapshots / Importanker'].includes(item.text) } }, tooltip: { callbacks: { title: items => items[0] ? dateLabel(String(items[0].label)) : '', label: () => '', afterBody: items => items[0] ? tooltipLines(items[0].dataIndex) : [] } } }, scales: { x: { grid: { display: false }, ticks: { maxTicksLimit: 8 } }, y: { ticks: { callback: value => mode.value === 'performance' ? `${new Intl.NumberFormat('de-CH', { maximumFractionDigits: 1 }).format(Number(value))} % modelliert` : new Intl.NumberFormat('de-CH', { style: 'currency', currency: 'CHF', maximumFractionDigits: 0 }).format(Number(value)) } } } }))
+const chartOptions = computed<ChartOptions<'line'>>(() => ({ responsive: true, maintainAspectRatio: false, interaction: { intersect: false, mode: 'index' }, animation: false, plugins: { legend: { display: mode.value === 'components', position: 'bottom', labels: { usePointStyle: true, boxWidth: 8, filter: item => !item.text.includes('nach Anker') && !['Korrekturen', 'Bestätigte Snapshots / Importanker'].includes(item.text) } }, tooltip: { callbacks: { title: items => items[0] ? dateLabel(String(items[0].label)) : '', label: () => '', afterBody: items => items[0] ? tooltipLines(items[0].dataIndex) : [] } } }, scales: { x: { grid: { display: false }, ticks: { maxTicksLimit: 8 } }, y: { ticks: { callback: value => mode.value === 'performance' ? `${new Intl.NumberFormat('de-CH', { maximumFractionDigits: 1 }).format(Number(value))} % geschätzt` : new Intl.NumberFormat('de-CH', { style: 'currency', currency: 'CHF', maximumFractionDigits: 0 }).format(Number(value)) } } } }))
 function moveSelection(delta: number) { selectedIndex.value = Math.max(0, Math.min(points.value.length - 1, selectedIndex.value + delta)) }
 const selectedSummary = computed(() => { const point = points.value[selectedIndex.value]; return point ? `${dateLabel(point.date)}, ${tooltipLines(selectedIndex.value).join(', ')}` : '' })
 defineExpose({ chartData, chartOptions, mode })
diff --git a/src/jarvis_finance/services/asset_price_refresh.py b/src/jarvis_finance/services/asset_price_refresh.py
index a822fed..fe06cea 100644
--- a/src/jarvis_finance/services/asset_price_refresh.py
+++ b/src/jarvis_finance/services/asset_price_refresh.py
@@ -3,6 +3,7 @@ from __future__ import annotations
 import hashlib
 import json
 import uuid
+from dataclasses import dataclass, field
 from datetime import UTC, datetime, timedelta
 from pathlib import Path
 from sqlite3 import Connection, SQLITE_DELETE, SQLITE_DENY, SQLITE_INSERT, SQLITE_OK, SQLITE_UPDATE
@@ -26,6 +27,26 @@ PROTECTED_TABLES = (
 )
 
 
+@dataclass(frozen=True)
+class SourceRunResult:
+    stale_candidates: int = 0
+    updated_count: int = 0
+    fresh_unchanged_count: int = 0
+    stale_remaining_count: int = 0
+    failed_count: int = 0
+    diagnostics: tuple[str, ...] = field(default_factory=tuple)
+
+    def __iter__(self):
+        yield self.stale_candidates
+        yield self.updated_count
+
+
+def _source_result(value: SourceRunResult | tuple[int, int]) -> SourceRunResult:
+    if isinstance(value, SourceRunResult):
+        return value
+    return SourceRunResult(stale_candidates=int(value[0]), updated_count=int(value[1]))
+
+
 def _deny_protected_dml(
     action: int,
     table: str | None,
@@ -90,6 +111,10 @@ def _status_payload(conn: Connection, job_id: str) -> dict[str, Any]:
                 "stale_candidates": int(row["stale_candidates"]),
                 "updated_count": int(row["updated_count"]),
                 "error_code": str(row["error_code"]) if row["error_code"] else None,
+                "fresh_unchanged_count": int(row["fresh_unchanged_count"]),
+                "stale_remaining_count": int(row["stale_remaining_count"]),
+                "failed_count": int(row["failed_count"]),
+                "diagnostics": json.loads(str(row["diagnostics_json"] or "[]")),
                 "started_at": str(row["started_at"]) if row["started_at"] else None,
                 "completed_at": str(row["completed_at"]) if row["completed_at"] else None,
             }
@@ -97,6 +122,15 @@ def _status_payload(conn: Connection, job_id: str) -> dict[str, Any]:
         ],
         "wealth_snapshot_created": bool(job["wealth_snapshot_id"]),
         "audit_recorded": bool(job["audit_id"]),
+        "successful_assets": sum(int(row["updated_count"]) for row in sources),
+        "fresh_unchanged_assets": sum(int(row["fresh_unchanged_count"]) for row in sources),
+        "stale_assets": sum(int(row["stale_remaining_count"]) for row in sources),
+        "failed_assets": sum(int(row["failed_count"]) for row in sources),
+        "next_action": (
+            "Diagnose prüfen und nur betroffene Quelle erneut versuchen."
+            if any(int(row["failed_count"]) or int(row["stale_remaining_count"]) for row in sources)
+            else "Keine Aktion nötig; alle verfügbaren Kurse sind aktuell."
+        ),
         "provider_calls_on_read": False,
     }
 
@@ -134,7 +168,7 @@ def create_asset_price_refresh_job(conn: Connection, *, stale_hours: int = 24) -
     return _status_payload(conn, job_id), _database_path(conn)
 
 
-def _equity_source(conn: Connection, stale_before: str) -> tuple[int, int]:
+def _equity_source(conn: Connection, stale_before: str) -> SourceRunResult:
     response = refresh_equity_quotes_batch(
         conn,
         QuoteRefreshRequest(
@@ -147,12 +181,33 @@ def _equity_source(conn: Connection, stale_before: str) -> tuple[int, int]:
         ),
     )
     candidates = max(0, int(response.total) - int(response.cached))
-    if response.errors and response.updated == 0 and candidates > 0:
-        raise RuntimeError("equity_provider_failed")
-    return candidates, int(response.updated)
+    failed = sum(1 for row in response.results if str(row.get("status")) in {"provider_error", "error"})
+    stale = sum(1 for row in response.results if str(row.get("status")) in {"stale", "missing"})
+    valuation_issues = [
+        warning
+        for warning in response.warnings
+        if warning in {"portfolio_valuation_partial", "portfolio_valuation_failed"}
+    ]
+    return SourceRunResult(
+        stale_candidates=candidates,
+        updated_count=int(response.economic_updated),
+        fresh_unchanged_count=int(response.cached + response.updated - response.economic_updated),
+        stale_remaining_count=stale,
+        failed_count=max(failed, len(response.errors)) + len(valuation_issues),
+        diagnostics=tuple(sorted(set([*response.errors, *valuation_issues])))[:10],
+    )
 
 
-def _crypto_source(conn: Connection, stale_before: str) -> tuple[int, int]:
+def _crypto_source(conn: Connection, stale_before: str) -> SourceRunResult:
+    held_asset_ids = [
+        str(row["asset_id"])
+        for row in conn.execute(
+            """SELECT a.asset_id FROM crypto_assets a
+                 WHERE a.is_active=1 AND EXISTS(
+                   SELECT 1 FROM crypto_holdings h WHERE h.asset_id=a.asset_id AND CAST(h.quantity AS REAL)<>0
+                 ) ORDER BY a.asset_id"""
+        ).fetchall()
+    ]
     stale_asset_ids = [
         str(row["asset_id"])
         for row in conn.execute(
@@ -168,7 +223,7 @@ def _crypto_source(conn: Connection, stale_before: str) -> tuple[int, int]:
         ).fetchall()
     ]
     if not stale_asset_ids:
-        return 0, 0
+        return SourceRunResult(fresh_unchanged_count=len(held_asset_ids))
     cutoff = datetime.fromisoformat(stale_before.replace("Z", "+00:00"))
     if cutoff.tzinfo is None:
         cutoff = cutoff.replace(tzinfo=UTC)
@@ -181,16 +236,30 @@ def _crypto_source(conn: Connection, stale_before: str) -> tuple[int, int]:
         asset_ids=stale_asset_ids,
         batch_size=100,
     )
-    if result.error_count and result.updated_count == 0:
-        raise RuntimeError("crypto_provider_failed")
-    return len(stale_asset_ids), int(result.updated_count)
+    return SourceRunResult(
+        stale_candidates=len(stale_asset_ids),
+        updated_count=int(result.updated_count),
+        fresh_unchanged_count=max(0, len(held_asset_ids) - len(stale_asset_ids)) + int(result.cached_count),
+        stale_remaining_count=int(result.stale_count + result.missing_local_price_count),
+        failed_count=int(result.error_count),
+        diagnostics=tuple(result.errors[:10]),
+    )
 
 
-def _fx_source(conn: Connection, stale_before: str) -> tuple[int, int]:
+def _fx_source(conn: Connection, stale_before: str) -> SourceRunResult:
     from jarvis_finance.fx.providers import FrankfurterFxProvider, TwelveDataFxProvider
     from jarvis_finance.fx.rates import resolve_fx_rate_to_chf
 
     cutoff_date = stale_before[:10]
+    all_currencies = [
+        str(row["currency"]).upper()
+        for row in conn.execute(
+            """SELECT DISTINCT upper(i.currency) currency
+                 FROM instruments i
+                WHERE i.is_active=1 AND upper(COALESCE(i.currency,'CHF'))!='CHF'
+                ORDER BY currency"""
+        ).fetchall()
+    ]
     currencies = [
         str(row["currency"]).upper()
         for row in conn.execute(
@@ -207,9 +276,18 @@ def _fx_source(conn: Connection, stale_before: str) -> tuple[int, int]:
         ).fetchall()
     ]
     updated = 0
+    provider_unchanged = 0
     failures = 0
     for currency in currencies:
         try:
+            before = conn.execute(
+                """SELECT rate_date,rate,provider,rate_type,quality_status
+                     FROM fx_rates
+                    WHERE base_currency=? AND quote_currency='CHF'
+                    ORDER BY rate_date DESC,COALESCE(fetched_at,created_at) DESC LIMIT 1""",
+                (currency,),
+            ).fetchone()
+            before_economic = tuple(before) if before is not None else None
             result = resolve_fx_rate_to_chf(
                 conn,
                 base_currency=currency,
@@ -218,16 +296,31 @@ def _fx_source(conn: Connection, stale_before: str) -> tuple[int, int]:
                 persist=True,
                 resolve_fixed=True,
             )
-            updated += int(result.status == "ok")
+            after = conn.execute(
+                """SELECT rate_date,rate,provider,rate_type,quality_status
+                     FROM fx_rates
+                    WHERE base_currency=? AND quote_currency='CHF'
+                    ORDER BY rate_date DESC,COALESCE(fetched_at,created_at) DESC LIMIT 1""",
+                (currency,),
+            ).fetchone()
+            after_economic = tuple(after) if after is not None else None
+            if result.status == "ok" and after_economic != before_economic:
+                updated += 1
+            elif result.status == "ok":
+                provider_unchanged += 1
         except Exception:
             failures += 1
     conn.commit()
-    if failures and updated == 0:
-        raise RuntimeError("fx_provider_failed")
-    return len(currencies), updated
+    return SourceRunResult(
+        stale_candidates=len(currencies),
+        updated_count=updated,
+        fresh_unchanged_count=max(0, len(all_currencies) - len(currencies)) + provider_unchanged,
+        stale_remaining_count=failures,
+        failed_count=failures,
+    )
 
 
-DEFAULT_RUNNERS: dict[str, Callable[[Connection, str], tuple[int, int]]] = {
+DEFAULT_RUNNERS: dict[str, Callable[[Connection, str], SourceRunResult | tuple[int, int]]] = {
     "equity": _equity_source,
     "crypto": _crypto_source,
     "fx": _fx_source,
@@ -238,7 +331,7 @@ def run_asset_price_refresh(
     db_path: str,
     job_id: str,
     *,
-    runners: dict[str, Callable[[Connection, str], tuple[int, int]]] | None = None,
+    runners: dict[str, Callable[[Connection, str], SourceRunResult | tuple[int, int]]] | None = None,
 ) -> None:
     """Background worker with source isolation, stored progress and mutation guard."""
     conn = connect(db_path)
@@ -264,6 +357,9 @@ def run_asset_price_refresh(
         conn.set_authorizer(_deny_protected_dml)
         completed = 0
         failures = 0
+        total_updated = 0
+        total_fresh_unchanged = 0
+        total_candidates = 0
         for source in SOURCES:
             started = _now()
             conn.execute(
@@ -271,25 +367,42 @@ def run_asset_price_refresh(
                 (started, job_id, source),
             )
             conn.commit()
-            candidates = updated = 0
+            result = SourceRunResult()
             status = "complete"
             error_code = None
             try:
-                candidates, updated = selected[source](conn, stale_before)
-                if candidates == 0:
+                result = _source_result(selected[source](conn, stale_before))
+                if result.stale_candidates == 0 and result.fresh_unchanged_count == 0:
                     status = "skipped"
+                if result.failed_count:
+                    failures += 1
+                    status = "failed"
+                    error_code = f"{source}_instrument_failures"
+                elif result.stale_remaining_count:
+                    failures += 1
+                    status = "failed"
+                    error_code = f"{source}_stale_remaining"
             except Exception as exc:
                 if conn.in_transaction:
                     conn.rollback()
                 status = "failed"
                 failures += 1
-                error_code = str(exc)[:120] or type(exc).__name__
+                result = SourceRunResult(failed_count=1, diagnostics=(type(exc).__name__,))
+                error_code = f"{source}_refresh_failed"
+            total_updated += result.updated_count
+            total_fresh_unchanged += result.fresh_unchanged_count
+            total_candidates += result.stale_candidates
             completed += 1
             conn.execute(
                 """UPDATE asset_price_refresh_sources
-                      SET status=?,stale_candidates=?,updated_count=?,error_code=?,completed_at=?
+                      SET status=?,stale_candidates=?,updated_count=?,error_code=?,completed_at=?,
+                          fresh_unchanged_count=?,stale_remaining_count=?,failed_count=?,diagnostics_json=?
                     WHERE job_id=? AND source=?""",
-                (status, candidates, updated, error_code, _now(), job_id, source),
+                (
+                    status, result.stale_candidates, result.updated_count, error_code, _now(),
+                    result.fresh_unchanged_count, result.stale_remaining_count, result.failed_count,
+                    json.dumps(list(result.diagnostics)), job_id, source,
+                ),
             )
             conn.execute(
                 "UPDATE asset_price_refresh_jobs SET progress_completed=? WHERE job_id=?",
@@ -299,16 +412,18 @@ def run_asset_price_refresh(
         if _protected_fingerprint(conn) != protected_before:
             raise RuntimeError("protected_holdings_or_transactions_mutated")
 
-        successful_sources = failures < len(SOURCES)
+        usable_result = total_updated > 0 or total_fresh_unchanged > 0 or (total_candidates == 0 and failures == 0)
         wealth_snapshot_id = None
-        if successful_sources:
+        if total_updated > 0:
             model = build_modelled_wealth_development(conn, period="1m")
             current = model.get("current") or {}
             wealth_snapshot_id = f"wealth-refresh-{uuid.uuid4().hex}"
             source_rows = [
                 dict(row)
                 for row in conn.execute(
-                    "SELECT source,status,stale_candidates,updated_count,error_code FROM asset_price_refresh_sources WHERE job_id=? ORDER BY source",
+                    """SELECT source,status,stale_candidates,updated_count,error_code,
+                              fresh_unchanged_count,stale_remaining_count,failed_count
+                         FROM asset_price_refresh_sources WHERE job_id=? ORDER BY source""",
                     (job_id,),
                 ).fetchall()
             ]
@@ -325,7 +440,7 @@ def run_asset_price_refresh(
                     json.dumps(source_rows, sort_keys=True),
                 ),
             )
-        final_status = "complete" if failures == 0 else "failed" if failures == len(SOURCES) else "partial"
+        final_status = "complete" if failures == 0 else "partial" if usable_result else "failed"
         audit_id = record_audit_event(
             conn,
             source="asset_price_refresh_job_v1",

__HERMES_CWD_8d46a20096ed__/home/agent/.hermes/worktrees/FinanceManager-sprint23.1__HERMES_CWD_8d46a20096ed__