The balances you see in the Bud app are the balances of your accounts with providers you have connected. Depending on the provider, the definition of balance may vary: most providers show the current market value or liquidation value, sometimes providers choose to show the net balance of your transactions (total top-ups minus total withdrawals).
You can enquire for more details from your investments provider. If you would prefer to see this information in the Bud app, please let us know by voting for this feature here: https://forms.gle/6C7YEwHy42WegJKy8 (for investments) and https://forms.gle/HKbXEaKQWo6bYQHM7 (for pensions).
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