Every account, one view.
Investments spread across several providers do not add up to a picture. PortfolioInvestiQ takes the transaction history out of each one and reports the whole thing as a single position — by account, wrapper, asset class and region.
The problem is arithmetic, not effort
Each provider reports on what it holds, correctly and in isolation. None of them can see the others. So the questions that matter across the whole holding — what it returned, what it is concentrated in, what it paid out — have no answer anywhere, and a spreadsheet that tries gets the currency conversion and the cost basis wrong in ways that are hard to notice.
- 1
Add the accounts you actually hold
An account is a provider and a tax wrapper together — a general account and a retirement account at the same broker are two accounts, because tax treats them as two.
- 2
Import the transaction history
Upload a broker's own CSV export, or the generic format. You confirm a preview before anything is written, and re-importing the same file changes nothing.
- 3
Read the whole position
Every account folded into one set of figures, sliced by wrapper, asset class, region or provider — and each figure traceable back to the transactions behind it.
What it reports
Performance that means something
True daily time-weighted return, chain-linked, so a deposit is not mistaken for a gain. Money-weighted return alongside it, suppressed over periods too short to be meaningful.
Cost basis you can audit
Computed at query time from immutable lots, with each disposal matched to what it sold. A realised gain shows its working.
Multi-currency, done properly
FX applied at transaction date, not today's rate. A listing quoted in a currency's minor unit is converted before it reaches a total, so it cannot arrive a hundred times too large.
Dividends as a record
Declared and paid amounts, withheld tax kept separate from commission, and what a year of payments would pay again on what you hold now.
Allocation by any cut
Wrapper, provider, asset class, sector, region — including holdings that belong partly to several, weighted rather than forced into one bucket.
Yours to take away
The whole ledger exports in the same format the importer accepts, so it reads straight back in without reformatting — into a spreadsheet, into another tool, or back into this one.
Questions
- Which brokers can I import from?
- Any of them, via the generic CSV format. Broker-specific adapters map a provider's own export without reformatting, and the first ones cover the providers whose files carry a stable row id — which is what makes a re-import safely idempotent.
- Does it connect to my broker automatically?
- No. Open-banking style connections carry a per-connection cost that would set the price of the product, and CSV export is something nearly every provider already offers. Import is manual and deliberate.
- What happens to accounts I have closed?
- They stay. A closed account still holds the history that explains the figures for the years it was open, so it remains in the record and in the totals for those periods.
- Is this regulated?
- No, and it does not need to be: the product keeps records and reports on them. It does not arrange or manage investments, it makes no personal recommendation, and it never tells you what to hold.
- Can I get my data out?
- Yes. The transaction log is yours and exports in full. Nothing about the design depends on it being difficult to leave.
Start with one account.
One portfolio, no cap on what goes into it, kept for as long as you want it. Import a single CSV and see whether the figures tell you something your provider's own page does not.