다중 통화 포트폴리오 계산기

무료 계산기: 다중 통화 보유 자산을 기준 통화 하나로 변환하고 환노출을 확인하세요.

기준 통화

결과

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작동 방식

Choose a base currency and list holdings with local currency values. Enter FX rates to convert everything into one total. Build a sample portfolio with US stocks, eurozone ETFs, and Brazilian ADRs to see how each currency slice contributes to aggregate wealth in your home currency. Add cash in multiple currencies to capture full exposure including idle balances. Label each row with the settlement currency your broker uses so conversions match your statements. Include cash balances in each currency held for travel or business so exposure bars reflect full FX footprint. Eurozone investors with US stocks show USD bar even when brokerage displays EUR account currency. Include cash balances in each currency held for travel or business so exposure bars reflect full FX footprint. Eurozone investors with US stocks show USD bar even when brokerage displays EUR account currency.

Review FX exposure bars to see concentration in USD, EUR, BRL, and other currencies. Concentration above 25 percent in any non base currency warrants a deliberate hedge or diversification review. Re run after adding international funds that hold dozens of underlying currencies through a single ticker. Export mental notes on which positions drive each currency bar before rebalancing toward home country bias. Total portfolio value in base currency is the number to compare against net worth goals and withdrawal planning targets. Concentration above twenty five percent in any non base currency warrants deliberate hedge or diversification review. List each position in trade currency then convert with spot table for base currency net worth total. Exposure above twenty five percent in non base currency warrants hedge or diversify review. Export mental notes on which positions drive each currency bar before rebalancing. Concentration above twenty five percent in any non base currency warrants deliberate hedge or diversification review. List each position in trade currency then convert with spot table for base currency net worth total. Exposure above twenty five percent in non base currency warrants hedge or diversify review.

보수적 및 낙관적 시나리오로 가정을 테스트하세요. 다양한 입력값 간 결과를 비교하세요. 결정을 내리기 전에 민감도 분석을 실행하세요.

입력값이 변경될 때마다 다중 통화 포트폴리오을(를) 사용하세요: 시장 변동, 새로운 기여금 또는 수정된 개인 가정 후. 소프트웨어 설치 없이 빠른 재실행을 위해 페이지를 북마크하세요.

단계별 안내

다중 통화 포트폴리오을(를) 열고 현재 입력값을 입력하세요.
계산된 출력과 요약 테이블을 검토하세요.
가정을 조정하고 시나리오를 나란히 비교하세요.

실전 예제

Choose a base currency and list holdings with local currency values. Enter the sample inputs described in How it works to reproduce the scenario step by step.

한 번에 하나의 입력을 조정하여 민감도를 확인하세요. 다중 통화 포트폴리오은(는) 즉시 업데이트되므로 행동하기 전에 낙관적 및 보수적 가정을 스트레스 테스트할 수 있습니다.

이 계산기를 사용할 때

Reach for Multi Currency Portfolio when convert multi currency holdings to one base currency with fx exposure.. It suits quick what if analysis before trades, allocation changes, or plan updates.

결정이 세금, 유동성 또는 하나의 공식이 포착하는 것 이상의 다년 전망을 포괄할 때 관련 도구와 함께 사용하세요.

흔한 실수

입력 단위나 오래된 시장 가격을 확인하지 않고 출력을 복사하는 것은 다중 통화 포트폴리오에서 흔한 오류입니다. 행동하기 전에 티커, 백분율 및 날짜를 확인하세요.

단일 기준 시나리오만 실행하면 꼬리 위험을 무시합니다. 보수적 입력으로 스트레스 테스트하고 결정이 중요할 때 아래 나열된 관련 도구와 비교하세요.

공식

Local Value = Quantity × Unit Price

Base Value = Local Value × FX Rate (if foreign)

FX Exposure = Currency Total / Portfolio Total

Rates are user supplied spot assumptions. Forward hedging and currency options are not modeled. Use current spot rates for snapshot allocation, not historical averages. ADR and ETF holdings may embed currency exposure not obvious from the ticker symbol alone. Hedged share classes reduce but rarely eliminate underlying currency risk. Forward hedging and options not modeled: spot snapshot only for allocation planning not hedge sizing. Hedged share classes reduce FX exposure not visible from ticker alone: check fund factsheet. Crypto positions denominated in USD still count as USD exposure for bar chart purposes in this tool. ADR tickers hide underlying currency exposure: check revenue geography in fund factsheet. Forward hedging and options not modeled: spot snapshot only for allocation planning not hedge sizing. Hedged share classes reduce FX exposure not visible from ticker alone: check fund factsheet. Crypto positions denominated in USD still count as USD exposure for bar chart purposes in this tool. ADR tickers hide underlying currency exposure: check revenue geography in fund factsheet.

제한 사항 및 가정

주요 용어

Why convert to a base currency: Multi currency portfolios expose you to FX risk.
What inputs do I need: Set a base currency, add assets with currency and local value, and enter exchange rates for non base currencies.
모델 가정: FX exposure shows each currency share of total portfolio value after conversion.

대안 비교

More calculators: portfolio temperature, rebalancer, sector benchmark. Use those calculators when multi currency portfolio alone does not capture the full decision.

portfolios.tools의 내부 링크는 계산기 체인을 도와줍니다: 먼저 다중 통화 포트폴리오을(를) 실행한 다음, 아래 관련 섹션의 전문 도구로 엣지 케이스를 검증하세요.

FAQ

Why convert to a base currency?

Multi currency portfolios expose you to FX risk. Converting all holdings to one base currency reveals true allocation and foreign exposure. A US investor holding EUR denominated bonds may think they are 60 percent equities until FX conversion shows 15 percent implicit euro exposure. Rebalance decisions should start from converted weights, not local currency labels on statements. ADRs and global ETFs often embed currency bets that disappear until you convert every line item. Exposure bar shows percent of total portfolio value denominated in each currency after conversion. Convert all holdings to base currency using your spot rate inputs for true allocation view. Exposure bar shows percent of total portfolio value denominated in each currency after conversion. Convert all holdings to base currency using your spot rate inputs for true allocation view.

What inputs do I need?

Set a base currency, add assets with currency and local value, and enter exchange rates for non base currencies. List each position with quantity and local price so the tool converts consistently. Update rates after major central bank moves to refresh exposure percentages. Include cash balances in each currency if you hold foreign currency accounts for travel or business. Split dual listed shares by the currency of the quote you actually trade to avoid double counting. Spot rate direction matters: quote base per one foreign unit consistently across all rows. Spot rate direction matters: quote base per one foreign unit consistently across all rows.

How do I read FX exposure?

FX exposure shows each currency share of total portfolio value after conversion. Large non base exposure means FX moves affect total wealth. If 40 percent of your portfolio converts from yen, a 10 percent yen decline reduces total wealth roughly 4 percent even when local stock prices are flat. Use exposure bars to set maximum tolerable currency bets alongside sector limits. Revisit exposure after large unhedged purchases abroad or inheritances denominated in foreign cash. ADR and global ETF tickers hide embedded currency exposure: look through to underlying revenue currency mix. ADR and global ETF tickers hide embedded currency exposure: look through to underlying revenue currency mix.

Which exchange rate direction?

Enter rates as units of base currency per one unit of foreign currency (e.g. 1 EUR equals 1.08 USD if base is USD). Reversing the quote direction will double count or understate exposure. Label each rate clearly when mixing multiple foreign currencies. Use the same rate source for all positions on a given day to keep totals consistent. Mid market spot rates work for allocation snapshots; bid ask spreads matter when planning large conversions.

What is saved in my browser?

Asset names, currencies, and exchange rates are saved locally. Unit prices are not persisted. Refresh prices from your broker before rebalancing decisions; stale FX assumptions can misstate which currency dominates your allocation. Clearing browser data removes saved holdings; export key totals before switching devices. Saved rates reflect your last session, not live markets, so update before material trades. Update spot rates after central bank meetings: stale rates misstate which currency dominates allocation bars. Hedged ETF share class reduces currency bar versus unhedged same index fund: check factsheet currency policy. Document FX policy bands beside equity allocation policy so currency drift triggers review same as sector drift. Update spot rates after central bank meetings: stale rates misstate which currency dominates allocation bars. Hedged ETF share class reduces currency bar versus unhedged same index fund: check factsheet currency policy.

이 Multi Currency Portfolio 계산기를 휴대폰이나 태블릿에서 어떻게 사용하나요?

네. Multi Currency Portfolio 계산기는 최신 모바일 브라우저에서 데스크톱과 동일한 공식으로 작동합니다. 선택적 localStorage로 입력값을 기기에 저장할 수 있습니다.

다중 통화 포트폴리오을(를) 사용할 때 내 데이터는 어디에 저장되나요?

당사 서버 어디에도 없습니다. 계산은 브라우저에서 로컬로 실행됩니다. 선택적 localStorage는 기기에서만 양식 필드를 저장하며 네트워크를 통해 포트폴리오 번호를 전송하지 않습니다.

세금 또는 법적 결정에 다중 통화 포트폴리오에 의존해야 하나요?

아니요. 이 도구는 교육용 수학만 제공합니다. 세법, 계좌 규칙 및 개인 상황은 다양합니다. 중대한 결과를 초래하는 거래 전에 자격을 갖춘 세무 또는 법률 전문가와 상담하세요.