Crypto, stocks and currencies in one dashboard: why adding up portfolios isn't just adding
Crypto trades 24/7, Spanish stocks close at 17:30, the ECB sets one reference rate per working day: why adding up portfolios means choosing a price, a rate and a time — plus 3 habits for reading your multi-currency total.
Table of contents
"Just add it all up." It sounds like the easy part of tracking your investments. It's actually the hard part. Look at three clocks:
- Bitcoin trades 365 days a year, nights and holidays included.
- The Spanish stock market closes around 17:30 and reopens the next business day.
- The ECB's euro reference exchange rate is updated once every working day, around 16:00 CET.
A Sunday-night example
You hold US-dollar stocks, a euro fund and some crypto. It's 23:00 on Sunday. Your crypto has moved all weekend, your stocks haven't since Friday, and there won't be a new reference rate until Monday afternoon. How much do you have? Honestly: it depends on how you combine it.
Three decisions behind every total
Any single net-worth figure has quietly decided which price to use for each asset, which exchange rate to apply (reference rate, live rate, or your broker's), and what "now" means when markets keep different hours. No option is perfect; what matters is that it's consistent and visible.
That's why FinBoard shows the time of the latest data for each account: if your total blends different moments, you can see it.
Three habits for multi-currency investors
- Compare totals at the same point in the week.
- Don't mistake an exchange-rate move for an investment move.
- Check the date before the figure. A number without a date isn't information — it's an opinion dressed as data.
