Many accounts at different brokers – one portfolio, one result
You invest through several brokers and banks, in złoty, dollars and euros. FundStat imports trades from every account, combines them into one portfolio and shows your whole wealth’s result in the currency you choose, with the effect of exchange rates shown separately.
Multi-account investor profile
- Strategy
- Diversifying across brokers
- Accounts
- Several brokers and banks
- Currencies
- PLN, USD, EUR
- Typical assets
- Polish and US stocks, ETFs, bonds
- Portfolio check
- Every week
Multi-account investor – the problems you run into most
Each broker shows only its own part of your wealth, in its own currency and its own way. Most people investing through several accounts know these situations.
To see my whole wealth, I log in to four apps and add up the balances in a spreadsheet.
Transaction import reads files from 18 brokers and banks, and for the rest there’s a universal import template. All accounts land in one portfolio.
I have accounts in złoty, dollars and euros and don’t know what they add up to.
You run your portfolio in PLN, USD, EUR or GBP and switch the display currency at any time. The currency docs explain how conversions work.
My US stocks made money, but the result in złoty is worse and I don’t know why.
FundStat shows the exchange rate effect separately, in the daily result and for every closed position, so you see what the market gave and what the currency did.
I buy the same ETF at two brokers and can’t see the combined position.
Asset analysis combines one instrument’s trades from all accounts and shows the total cost basis and result.
A multi-account investor’s year in FundStat
With several accounts, what matters most is collecting the data in one place regularly. Each step has its place in the app.
- Every week
Check your whole wealth
One dashboard shows the value and result of all accounts, without logging in to each broker separately.
Portfolios and accounts - Every month
Import files from each account
Download the history from each broker and upload it to FundStat. The preview shows the trades before saving.
Transaction import - Every quarter
Check your exposure
Check the share of currencies, countries and sectors across your whole wealth, not just a single account.
What portfolio exposure is - February–April
Collect PIT-38 from all accounts
Foreign brokers don’t issue PIT-8C, so the annual summary calculates income and costs from all accounts together.
Annual summary
The features multi-account investors use most
These four features turn several separate accounts into one consistent picture of your wealth.
- Import assistantReads files from 18 brokers and banks and a universal template for the rest.
- Asset analysisCombines trades in the same instrument from all accounts into one position.
- Portfolio benchmarkingCompares your whole wealth’s result with an index in the portfolio currency.
- Annual tax summaryCalculates PIT-38 and PIT/ZG from accounts at all brokers, foreign ones included.
Investing through many accounts in numbers
- securities accounts were run by banks and brokerages in Poland at the end of 2025, 564k more than a year earlier
- 2.53 m
- Source: Central Securities Depository of Poland (KDPW)
- is how much the dollar lost against the złoty in 2025, so US stocks’ results in złoty were lower by that much
- about 14%
- Source: NBP average exchange rates, January and December 2025
- brokers and banks that FundStat imports trade history from automatically
- 18
- Source: FundStat, list of supported imports
“Diversification is the only free lunch in finance.”
Wealth across accounts in a spreadsheet, a broker app and FundStat
Each of these tools shows part of the picture. The table compares what matters most to a multi-account investor.
| Spreadsheet | Broker app | FundStat | |
|---|---|---|---|
| All brokers and banks in one view | |||
| Wealth in the currency you choose | |||
| Exchange rate effect shown separately | |||
| Combined position in one instrument across accounts | |||
| PIT-38 from accounts at different brokers | |||
| No manual entry of trades |
- Yes
- Partly or by hand
- No
Multi-account investor – frequently asked questions
In FundStat you add each brokerage account as a separate account, such as XTB PLN, XTB IKE and Bossa IKZE, and import the broker’s file into it. Then you combine the accounts you choose into a portfolio that shows their joint value, structure and result.
A portfolio across many accounts – one picture of your whole wealth
Several accounts give you diversification, but only when you see them together. FundStat combines accounts from all your brokers and banks, shows your wealth in the currency you choose and separates the exchange rate effect from your investment result.
Other investor profiles
- Passive investorETFs, regular contributions and buy-and-hold, without watching the market every day.
- Aggressive investorFrequent trades, growth stocks and futures, with every position’s result under control.
- Dividend investorTrack dividend payouts, yield and the passive income your portfolio generates.
- Conservative investorTreasury bonds and safer assets. See whether your portfolio beats inflation.
- Retirement saverIKE, IKZE and OKI accounts in one place, with returns measured over years.