How to Track All Your Investments in One Place (NZ Guide)

The average New Zealander under 40 has investments spread across 2-3 platforms: KiwiSaver with one provider, a Sharesies account, maybe some Hatch or Kernel funds. The problem? You have no idea what your total portfolio looks like without logging into each one separately.

Why a unified view matters

Your net worth isn't just your bank balance. For many Kiwis, KiwiSaver alone could be their largest financial asset, often more than what's sitting in savings. But because it's "out of sight, out of mind," people forget to factor it into their financial picture. Not sure which KiwiSaver fund type you should be in? That matters too.

Seeing everything together lets you:

• Know your actual net worth (not just your bank balance)
• Understand your asset allocation (how much is in shares vs cash vs property)
• Spot concentration risk (too much in one platform or asset type)
• Track progress toward long-term goals more accurately

How to consolidate your investment view

Option 1: Spreadsheet (manual)

Log into each platform quarterly, note the balances, paste into a spreadsheet. Simple but tedious, and the data is stale by the time you check it.

Option 2: Use a PFM app with investment support

Apps like Steady connect to your investment accounts through Akahu (the same open banking platform used for bank connections) and pull in balances automatically. Your KiwiSaver, Sharesies, Hatch, and Kernel accounts appear alongside your bank accounts.

This means your net worth, financial health score, and goal tracking all reflect your complete financial picture, not just what's in your cheque account.

What you can't do (and why)

A portfolio tracking app can show you balances, performance, and allocation. What it can't do is tell you what to invest in, that's regulated financial advice, and in New Zealand you need a Financial Advice Provider (FAP) licence for that.

If you want personalised investment recommendations, talk to a licensed financial adviser. You can find one through the FMA's register. For general education, read our guide on how to invest $10,000 in NZ.

Can I see the individual trades inside my investment accounts?

No, and this is the limit worth knowing before you set anything up.

Investment platforms in New Zealand connect for balances. You can see what your KiwiSaver and your Sharesies account are worth, and you cannot see each buy and sell inside them. That is a property of the connection rather than a missing feature, and it applies to every platform.

For the trades themselves, the platform's own app remains the place to look.

How often do the balances update?

At most twice a day, which is plenty for an investment balance.

Open banking in New Zealand refreshes on a schedule rather than live, so a figure can be a few hours behind what the platform shows. For a KiwiSaver balance that moves with a daily unit price, this changes nothing.

It does mean the number is not a trading screen, and it was never meant to be one.

Does seeing everything in one place actually change anything?

It changes what you compare yourself against, which is the useful part.

Split across four logins, people track each account separately and judge each one on whether it went up this month. Together, the same money becomes a single allocation, and the obvious questions surface: how much of this is in cash, how much is in one country, how much is in one company.

Nobody asks those questions of four separate screens. They ask them of one.

What about an investment platform that will not connect?

Add it by hand and keep going.

A manual balance you update once a quarter is stale for most of that quarter, and it is still far better than leaving the account out of your net worth entirely. A picture missing a third of the money is worse than a picture that is three weeks old.

Set a calendar reminder for the same day each quarter. Ten minutes, four times a year.

Getting started

If you're using Steady, connect your investment accounts the same way you connected your bank, through Settings. Akahu handles the secure connection to Sharesies, KiwiSaver providers, Hatch, Kernel and Simplicity. InvestNow is the one people ask for most and the one that cannot be connected: every InvestNow login uses a one-time code, which no open banking connection can automate. Check out all of Steady's features.

Once connected, check the Investments page for your portfolio breakdown, and the Net Worth page to see how your investments fit into your overall financial picture.