Introducing Multi-Portfolio: Organize Every Part of Your Financial Life

A household can have one financial life and still need more than one view of it. Personal accounts, a spouse’s retirement assets, a child’s savings, a family trust and an operating business may all belong in the same overall picture, but combining everything into one undifferentiated list makes ownership and decision-making harder.

Silvia Multi-Portfolio is designed for that reality. It lets one Silvia account organize accounts and assets into a Main portfolio plus additional named portfolios, then move between a consolidated view and the slices that matter for a particular decision.

One financial picture, organized around real ownership

Every Silvia account keeps a Main portfolio. You can rename it, add other portfolios and give each one a purpose. A portfolio can represent a person, relationship or entity, including a spouse, joint household, child, parent, LLC, sole proprietorship, partnership, corporation, trust, estate or charitable structure.

The structure is flexible because households are not all organized the same way. One person may use Personal, Joint and Business. Another may use Main, Family Trust and Rental LLC. The goal is not to force legal or accounting categories onto the user. It is to make the financial picture easier to inspect.

Multi-Portfolio does not mean multiplayer

Multi-Portfolio and shared access solve different problems. Multi-Portfolio organizes financial data inside one Silvia account. It does not create separate logins, spouse invitations or portfolio-level permissions. Anyone using that account can see every portfolio.

That distinction matters. A portfolio named for a spouse is an organizational view, not a private workspace for that spouse. Shared access and invitation controls are a separate product capability.

Choose one portfolio, several, or all of them

The portfolio selector supports all portfolios as well as any combination of named portfolios. Your selection carries across the Dashboard, Transactions and Portfolio views on that device.

Choose All portfolios to review the household as one economic unit. Choose Business and Joint when a decision affects both. Choose only a child’s portfolio when checking education savings. Transaction summaries and CSV exports follow the same selection, so the numbers on screen and the exported records stay aligned.

Each account or asset has one clear home

Every connected account and standalone asset belongs to exactly one portfolio. Holdings and transactions inherit the portfolio of their account. If one bank or brokerage connection contains several accounts, those accounts can be assigned separately. A personal checking account can stay in Main while a company card from the same institution moves to an LLC portfolio.

Accounts and standalone assets can also be moved later. Their history follows them, which preserves continuity instead of making a move look like a new account.

How Multi-Portfolio works with multiple currencies

Portfolio and currency answer different questions. A portfolio says who or what an asset belongs to. Currency says what the asset is priced in and how totals should be displayed.

For example, a Canadian house can sit in a Family portfolio with a native value in CAD, a vehicle in Europe can sit in a Personal portfolio with a value in EUR, and a U.S. brokerage account can sit in an Investment portfolio in USD. Multi-Portfolio keeps the ownership views distinct. Silvia’s multi-currency system converts their USD valuation copies into the display currency selected in Settings → General, so consolidated totals remain comparable.

This separation avoids a common planning mistake: confusing where an asset belongs with the currency used to measure it. The household can inspect each native-currency asset and still see one restated net worth.

Ask Silvia across the whole picture

The page selector filters the views where it appears. Ask Silvia is more flexible: you can ask about one named portfolio, several portfolios or the household as a whole. That makes questions such as “How much liquidity do we have outside the business?” or “What is the asset allocation across Main and Family Trust?” easier to frame precisely.

How to set it up

1. Open Manage portfolios and rename Main if a clearer name would help.
2. Create the personal, relationship or entity portfolios that match how you already think about ownership.
3. Assign connected accounts and standalone assets. Accounts under one connection can be split individually.
4. Return to the Dashboard, Transactions or Portfolio page and select the view you need.

Free accounts can hold two portfolios in total, including Main. Pro and Max accounts can hold up to 100, including Main. Main always remains in the account, although it can be renamed.

A clearer structure for better decisions

A consolidated net worth number is useful, but it is rarely the whole answer. Liquidity may sit in one entity, debt may belong to another, and an investment decision may affect only part of the household. Multi-Portfolio lets Silvia preserve the complete picture while giving each part a clear home.