Private Wealth Operating System

From statements
to decisions,
in one view.

Consolidate every portfolio, bank relationship, entity and cashflow into a single intelligent platform — purpose-built for Singapore's most sophisticated investors.

No credit card required Your data stays private Singapore-focused
Connects to
All top-tier Singapore private banksLeading international wealth managersLocal premier banking accountsMore institutions added regularly

Who it's built for

Serious wealth demands serious tools.

01 /

Family Offices

One dashboard for the entire family structure

Model PICs, trusts, foundations and personal accounts in a single consolidated view — with full entity-level P&L and group rollups your advisors can actually use.

  • Multi-entity hierarchy: PICs, trusts, foundations
  • Consolidated and per-entity reporting
  • Role-based access control for EAMs and staff
  • Portfolio reassignment with full audit trail
  • Family-level income and cashflow view

02 /

HNI Investors

All your banks, finally in one live view

Stop logging into four different portals. Aggregate equities, bonds, structured products and cash across every relationship — with accurate P&L that handles the instruments correctly.

  • Multi-bank PDF and Excel statement import
  • Correct bond pricing (per-100 face value logic)
  • Corporate actions and dividend tracking
  • Fixed income yield and maturity analysis
  • Multi-currency portfolio with live FX rates

03 /

High Earners

Wealth clarity in minutes, not weekends

Upload your statements once and instantly see net wealth, projected income and monthly obligations — without a spreadsheet that breaks every time a price changes.

  • Instant portfolio analytics on upload
  • Credit card bill parsing and categorisation
  • Card rewards optimisation engine
  • Monthly cashflow obligations view
  • Projected annual income from all holdings

Platform capabilities

Everything your wealth demands.

A unified intelligence layer across your entire financial picture — from statement ingestion to multi-entity oversight, income visibility, and spending analysis.

Portfolio Analytics

Real-time P&L, asset allocation and performance attribution across all holdings. Instrument-correct pricing for equities, bonds, structured products and funds.

Equities · Bonds · Structured · FX

Multi-Entity Oversight

Model your entire ownership structure — PICs, trusts, foundations, joint accounts — with consolidated or entity-level drill-down at any hierarchy level.

PICs · Trusts · Foundations · Groups

Statement Ingestion

Upload PDF, Excel or scanned image statements. Hybrid OCR + AI pipeline extracts every holding from complex multi-page private bank formats.

PDF · Excel · OCR · Scanned

Fixed Income & Income

Project annual coupon, dividend and distribution income. View bond maturities, duration and yield with correct per-100 face value pricing — not per-unit guesswork.

Coupons · Dividends · Yield · Duration

Spending & Cashflow

Parse credit card bills automatically. Category breakdown, multi-currency FX preservation, recurring payment detection and card rewards optimisation in one place.

Bill Parsing · Rewards · Multi-card · FX

Market Data & Enrichment

Automatic ISIN resolution via OpenFIGI, Cbonds pricing for fixed income, and live FX rate lookups — so your valuations stay accurate without manual updates.

OpenFIGI · Cbonds · FX · ISINs

How it works

Five steps from statement to insight.

No manual data entry. No spreadsheet to maintain. Upload once and the platform handles extraction, enrichment and ongoing monitoring.

1

Upload

Drop in any PDF, Excel or scanned image statement from any private bank.

2

Parse & Extract

OCR + AI extracts every holding, ISIN, price and quantity — even from scanned formats.

3

Enrich & Price

OpenFIGI resolves securities, Cbonds prices bonds, live FX converts all positions to SGD.

4

Monitor Portfolio

Live P&L, entity rollups, income projections — updated with every import automatically.

5

Analyse & Decide

Analyse spending, model cashflow obligations and optimise card rewards from one place.

Product preview

Built for the complexity of real wealth.

Every panel reflects actual platform behaviour — multi-entity trees, instrument-correct P&L, income forecasting and spending intelligence working together.

Entity Structure

Multi-Entity
Tan Family Officeorg
Tan Family Trusttrust
Private Bank A·S$1.22M
International Bank B·S$840K
Goldview PICPIC
Wealth Manager C·S$2.10M
Premier Bank D·S$380K
Personal Holdings (direct)·S$280K
S$4.82M Consolidated+6.3% YTD Return47 Holdings

Projected Annual Income

Live
Coupons72% · S$69.1K
Dividends20% · S$19.2K
Distributions8% · S$7.7K
Total projected incomeS$96,000

Spending & Card Intelligence

This month

Dining

S$1,240

↑ 840 miles

Travel

S$3,180

↑ 2,100 miles

Groceries

S$620

↑ S$37 cashback

Subscriptions

S$284

Recurring

AI tip

Switching your dining spend to a miles card would earn 2× rewards versus your current cashback card at these merchants.

Privacy & security

No spreadsheets. No data brokers. Just yours.

Your portfolio data is not sold or shared. It exists on this platform solely to serve you.

0

Third-party data brokers we share your information with

Enterprise

Hosted on enterprise-grade infrastructure with encryption at rest and in transit

SG

Singapore-focused, built for local private banking structures and instruments

Private by intent

Your data is not sold or shared with third parties, and is used solely to power your experience

Get started

The complete picture of your financial life.

Upload your first statement in under two minutes. No spreadsheet to maintain. No credit card required.

Test environment notice — WhatsInPortfolio is currently in active development and offered as a test platform. You are welcome to explore all features and experiment freely. However, please do not upload or enter any sensitive personal or financial data at this stage — this includes real account numbers, actual portfolio statements, identity documents, or any information you would not be comfortable sharing in a non-production setting. Data security hardening is ongoing and we cannot guarantee production-grade protection at this time. Your data is not sold or shared with third parties and is used solely to power your experience — how we store and process data will be clearly disclosed as the platform matures. We appreciate your understanding and your interest in the platform.