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Family finances

How to track family investments

Family finances are often spread across different people, asset types and institutions. A consistent structure makes review much easier.

Separate people from asset types

Start by deciding whose investments you are tracking, then group the information by asset type. This avoids creating a separate spreadsheet system for every family member.

Use a shared set of definitions

Decide what counts as invested amount, current value, gain, liability and net worth, and keep those definitions consistent. Otherwise changes over time can reflect a change in calculation rather than a change in the underlying finances.

Review the household picture

Once the information is organised, review the combined picture as well as individual portfolios. This can make it easier to see concentration, cash reserves, debt and the family's overall wealth position.

Keep privacy and access in mind

Financial information is sensitive. Use a system with appropriate access controls and share only what each person needs to see.

Put it into practice with FolioTrack

Once you know what you want to measure, the next step is keeping the information organised so you can review it again later.