Built for Investors Whose Money Doesn't Live in One Country

You don't stop being one investor because your assets are now spread across multiple countries, brokers, and currencies. Zyvo consolidates everything into a single, accurate view — real performance, real risk, real tax reporting where it applies — no matter how scattered the underlying accounts are.

Why expat investing becomes fragmented

It rarely happens all at once. You had a brokerage account before you moved. Then a local one opened for practical reasons once you relocated. Maybe a crypto exchange account that isn't tied to any country at all. A few years in, you're holding positions across three brokers, two currencies, and however many separate login pages — and none of them show you the whole picture, because none of them were built to. For the fuller pattern of how this happens even without moving countries, see How to Track a Multi-Broker, Multi-Currency Portfolio.

Multiple brokers, one portfolio

Zyvo consolidates positions across every account into one dashboard, whether that's a broker you kept from before you moved or one you opened after. A number of brokers — including Interactive Brokers — are listed among Zyvo's supported brokers for connecting and syncing, and you can always import any broker's transaction history via CSV export as well, including brokers Zyvo doesn't have a direct connection for, which matters if you're using a smaller regional broker. For the specifics of consolidating scattered accounts, see How to Track a Portfolio Across Multiple Brokers, or the Interactive Brokers-specific page if that's one of your accounts.

Multi-currency performance tracking

Zyvo supports 30+ currencies, converting every transaction to your chosen base currency automatically. More importantly, your performance metrics — Time-Weighted Return (TWR) and Internal Rate of Return (IRR) — are calculated correctly across currency conversions, not just added up as if everything were already in one currency. That distinction matters more than it sounds: currency movements alone can make a position look like it gained or lost value that has nothing to do with the investment itself.

Historical FX rates and accurate returns

Zyvo looks up the actual historical exchange rate for the date of each transaction, rather than applying today's rate retroactively across your whole history — a shortcut that would quietly distort both your cost basis and your realized gains. When an exact historical rate isn't available for a given date, Zyvo uses a fallback estimate and flags it as such on the transaction, so you can see exactly which numbers are exact and which are estimated, rather than everything looking equally precise.

Tax reporting and cost basis tracking

Zyvo's tax report lets you switch between FIFO and Average Cost with one click, recalculating your realized gains lot by lot across your consolidated, multi-currency transaction history. See Average Cost vs FIFO for how the two methods actually differ.

Worth being very clear about here, since it matters more for this audience than almost any other: Zyvo's tax-owed estimate is US federal only. It does not calculate tax owed to any other country, it does not know which country you're a tax resident of, and it doesn't attempt to optimize your filing status or tax strategy as an expat. If you need country-specific tax reporting, filing guidance, or cross-border tax planning, that's outside what Zyvo does — talk to an accountant who specializes in expat tax situations.

Concentration risk across all accounts

Concentration risk hides easily when your holdings are split across several brokers and currencies — a position that looks modest in one account can be a much bigger share of your total portfolio once everything is added up correctly. Zyvo computes a Herfindahl-Hirschman Index (HHI) across your full consolidated portfolio, not per account, and separately flags any single holding once it passes 25% of total value, escalating to critical at 40%. Try the exact math on the concentration risk calculator, or see the full set of proactive alerts Zyvo runs in the background, including one that flags if a connected broker's sync goes stale — useful when you're not logging into every account daily.

Frequently asked