Panoramica vs Kubera

Kubera makes its case on breadth. Beyond stocks and crypto it tracks DeFi positions, NFTs, private equity and LP stakes, vehicles, watches and jewellery, and it can value almost anything else by having AI read screenshots and documents. For someone with real alternative holdings, or an estate to inventory, that range matters.

Panoramica covers nine classes: shares and ETFs, funds, bonds, cash, metals, property, crypto, derivatives and other. Each has its own fields. A bond carries its coupon, maturity and payment frequency, a metal holding its weight in troy ounces, a property its address and type. The analysis uses those fields for income, currency exposure and drift from your target allocation.

Kubera answers "what am I worth?" Panoramica answers "how concentrated is my portfolio, and where is the risk?"

Kubera offers a "Fast Forward" scenario planner and "Club Benchmarks", which compare you with peers. For portfolio questions it connects to outside AI chat assistants.

Panoramica does the analysis inside the app. It warns at set concentration limits and runs 1,000 Monte Carlo paths using volatility assumptions set per asset class. A correlation matrix shows which holdings move together, cost basis follows FIFO, LIFO or HIFO, and the portfolio review works from your own holdings and weights instead of a portfolio pasted into a chat window.

Kubera keeps its analysis light on purpose. It presents itself as a balance sheet, which is a fair choice for what it sets out to do.

Kubera Essentials costs $250 a year. Black, which adds nested portfolios, fine-grained access control and concierge onboarding, costs $2,500 a year. White Label starts above $300 a month.

Panoramica Pro is $99.99 a year: 40% of Kubera's entry price and 4% of Black. You give up the alternative-asset coverage and the estate tools.

An investor with several entities and an estate to plan may find $2,500 a year for Black reasonable, since it replaces professional tooling that costs far more. For a tracker with solid analysis, Panoramica is much easier to pay for.

Kubera's "Dead Man's Switch" is unusual. If your account goes quiet for a period you choose, Kubera securely sends your portfolio details to the beneficiaries you named. Nothing is shared before then, and nobody needs legal proceedings to find the assets.

Panoramica has nothing like it. Its household view adds your own portfolios into one net-worth figure. It does not share them with other people or hand them over.

If your main worry is that a spouse or executor can find and value everything, Kubera covers that and Panoramica doesn't.