As a modern investor who is often on the go and has a wide variety of different asset types, there have probably been times when you weren't able to keep an eye on your portfolio the way you wanted to.
The problem is that many of the popular portfolio apps that dominate the market were created before the explosion of modern assets and mobile devices.
In other words — it’s not you, it’s them.
If you’re interested in personally monitoring and managing a good chunk of your investments and aren’t willing to sacrifice your fast-paced lifestyle in order to do so, we recommend you keep reading for our personal recommendations — the Kubera team is made up of diverse and experienced modern investors, after all! — on the best portfolio apps for various assets, investor types, and situations.
What Can Portfolio Apps Do for Modern Investors?
Applications that are built to help investors track their portfolios — or portfolio apps, for short — are nearly as important to the modern investors’ portfolio as the actual assets themselves.
Because in 2021 and beyond, diversifying across traditional, physical, and even cutting-edge digital assets (learn more about diversification with our ultimate guide) will be the best way to build a profitable investment portfolio.
However, most modern investors don’t want to or simply can’t spend all their time visiting various websites, applications, and other platforms to keep track of the performance of all those different assets.
Yet, it’s still so important that you’re able to monitor assets. A huge step toward managing your wealth is being able to monitor it. And managing your wealth is a huge step toward achieving your life goals — most of which will be fueled by your finances.
Portfolio apps enable modern investors to diversify their portfolios while making them easier to monitor, manage, and grow over time.
Knowing that, in the next section we’ve laid out several different portfolio apps that will help today’s investors track their assets in the different ways that best help them meet their goals. Some will focus on the all-in-one approach, some will be for more specific asset types, and some will even work best for investors in certain stages of life.
The Best Portfolio Apps of 2021
No matter which kinds of assets or portfolio apps you’re interested in, this list will have an option that will help you.
Best All-in-One Portfolio App: Kubera
First up is Kubera, the only true all-in-one portfolio app available to today’s modern retail investors.
What makes Kubera the best all-in-one solution for tracking fiat, crypto, and every other asset from digital domains to ancient antiques?
It’s thanks to our robust custom architecture that includes multiple aggregators, all of which enable our dashboard to connect to financial accounts of various types and in a wide variety of locations. In fact, you can check out our massive spreadsheet to learn more about the different types of accounts we can help you track.
Along with support for every major currency — a must for an all-in-one portfolio app! — Kubera integrates with leading asset experts (such as Zillow in the U.S.) to feed your Kubera dashboard with the real-time market value of assets in which many modern investors are interested — real estate, vehicles, and web domains.
Are you an investor with holdings in the traditional stock and/or crypto market? For you, we've built in one-of-a-kind tickers that you can add to your Kubera dashboard to keep a close eye on the performance of your individual stocks and crypto coins.
Finally, since we don’t think an all-in-one portfolio app for modern investors would be complete without a screen where you can actually see your financial life at a glance, we’ve also created a recap feature so you can view and understand everything from your asset performance to your entire net worth.
Sign up for an affordable subscription to start monitoring and managing your modern financial situation today.
And for financial professionals — or investors who work closely with one — Kubera even has a white-label solution especially suited for the modern advisor and their clients.
Best Portfolio App for Crypto-Focused Investors: Blockfolio
Blockfolio is a well-recognized portfolio app for investors who are mostly interested in tracking their performance in the cryptocurrency market.
Blockfolio provides deep insights by enabling investors to dive into some interesting specifics about their portfolios, including profit/loss trends, cost basis calculations, price candlestick charts, and plenty more.
As a one-stop shop for crypto investing, Blockfolio also has a trading component (including Bitcoin, Ethereum, and more), a market overview, a crypto news section, and special features that enable investors to closely monitor changes in pricing.
Best Portfolio App for Traditional Stock Investments: Ticker
For those who are more deeply invested in the traditional stock market, there’s Ticker.
The concept behind Ticker is simple: It enables investors to monitor and manage various different portfolios of stock market holdings.
Ticker displays real-time account values, profit and loss details, money-weighted and time-weighted rate of return, and a lot more information.
And while much of the process to input your stock information for the first time is manual, Ticker strives to make things a little easier on investors where it can with charts, analytics, and personalizable notifications for monitoring stock changes.
Best Portfolio App for White-Glove Asset Management: Personal Capital
The “free” version of Personal Capital offers standard portfolio management features such as a net worth calculation, a 30-day view of cash flow, and more.
But unfortunately, Personal Capital can only provide these features for U.S. investors with U.S. phone numbers and investments in U.S.-based financial institutions that use U.S. dollars.
If you ask us, it’s really not an ideal solution for today’s modern investors with portfolios that are as well-traveled as they are.
That’s why we’d really only recommend Personal Capital to U.S. investors who are looking specifically for white-glove asset management from a trustworthy, digital-first financial advisory firm.
Personal Capital’s hands-on services are available to investors with over $100,000 in assets. At the time of this writing, Personal Capital’s fees come in at .89% of assets under management up to the first million.
Best Peer-Based Portfolio App: Status
Status Money introduces a modern twist to the portfolio app scene with its social comparison feature.
Status Money enables its users to view anonymized data so they can compare their finances to others like them and see where they could save more, how their spending ranks, whether they’re overpaying for certain items and services, and more.
While Status Money is light on the usual portfolio management features, it does have budgeting capabilities, it provides a net worth overview, and the app can be used to connect users to financial professionals who can provide further portfolio guidance.
Best Portfolio App for Data-Hungry Investors: Morningstar
Really love breaking down the data when it comes to your investments?
Then you’re in for a treat with the tried and true Morningstar.
While many investors are familiar with Morningstar’s portfolio manager and the basic overview it gives of your stock investments, we want to highlight a lesser-advertised feature that would excite any data-hungry investor: Instant X-Ray.
Instant X-Ray dives deep when it comes to asset allocation to provide information about your investment style; the sector, type, and region of each investment asset, the percentage each individual investment makes up of your entire portfolio, and even more.
This information is especially interesting — and helpful — for investors who want to maintain an especially diverse but also complex portfolio.
Best Portfolio App for When You’re Nearing Retirement: eMoney Advisor
Here’s another recognized portfolio app with an especially interesting feature for a certain group of investors. This time, we’re talking about eMoney Advisor for investors who are starting to think seriously about retirement.
eMoney Advisor really shines when it comes to its portfolio analysis feature, which can be used to create detailed cash flow projections that show how a portfolio may perform after an investor retires.
By integrating what it knows about your personal finances with the latest information on Social Security, required minimum distributions, inflation, and more; eMoney Advisor can provide a detailed breakdown of what you can expect in retirement when it comes to your income, distributions, expenses, and overall portfolio performance.
It’s important to note that retail investors can only access eMoney Advisor by working with a licensed financial professional.
Best Portfolio App for Automatically Balancing Your Asset Allocation: SigFig
As technology improves, plenty of portfolio apps are integrating automations that either make our investments smarter or more efficient.
SigFig is a portfolio app with both basic tracking features and more advanced white-glove asset management services. What makes it interesting for modern investors on both ends of the spectrum — from new and just figuring it out to seasoned with too large of a portfolio to manage manually — are its automatic analysis and rebalancing capabilities.
The integration of a robo-advisor makes managing a portfolio with SigFig quicker, lower risk, and more affordable than it would be to work directly with a financial advisor.
Learn More About Choosing the Best Portfolio App
Now that you have a plethora of portfolio apps from which to choose no matter your stage in life or your preferred investment style, you need a method for picking the right one.
Lucky for you, we already wrote the guide on how to choose the best financial management app: How to Choose the Best Wealth Management App in 2021.
While we highly encourage you to visit and read the full article, here’s a quick summary of the steps to take to make sure you choose the best portfolio app for you:
1. First, determine what financial goals you want your portfolio app to help you achieve. When you know exactly what job you’re doing, you’ll be better equipped to pick the best tool to do it.
2. Next, it’s time to make a list of all the key features your portfolio app should provide. This will help you easily whittle down your list when you’re first shopping and it’s feeling overwhelming.
3. In addition to features, further narrow your options by getting specific with other parameters you need your modern portfolio app to fall into. These may include it having a mobile app, having tight security measures, and of course fitting into your budget (and remember that even free apps come with a cost!).
4. Once you have a pretty good idea of what you want and which financial apps provide it, it’s time to check out lots and lots of reviews. Independent, third-party reviews from people with no affiliation with the app in question are likely to be the most reliable.
5. Finally, it’s time to take a test run of your top options — and if they don’t provide a free peek inside, it’s worth asking why — before finally committing to the best portfolio app for your modern investment needs.
Now, it’s time for you to take the reins and choose one of the above portfolio apps.
Which one will you invest in to build, monitor, manage, and grow a portfolio that’s as modern and diverse as you are?