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.

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 InvestNow. 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.