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Boursorama (BoursoBank) portfolio tracker: benchmark your Boursorama (BoursoBank) portfolio against the S&P 500

We read a Boursorama transaction export and rebuild the orders, the income and the charges behind each of your investment accounts. French investing is organised in envelopes, and a share plan and an ordinary securities account are different pots with different rules even when one login opens both. So the first decision is not a technical one: export each envelope on its own, because a single blended percentage across two of them describes nothing you can act on.

What the file contains

Expect the usual ledger shape with French headings: a date, a description of the operation, a quantity, a price and an amount, with an identifier for the instrument where the export provides one. Purchases and sales are recognised from the wording of the operation, and the French words for buying and selling are among the ones we already read, so the type column rarely needs correcting by hand.

The rows then do three jobs. Orders build the average cost of everything still held, with the charge on each order kept as a fee instead of being absorbed into the price. Credits from dividends, and anything deducted from them, build the income side. Payments into the account build the dated cash flow list, which is the part that makes a comparison with an index a comparison of your own money rather than of a convenient starting point.

How the import works for Boursorama (BoursoBank)

Boursorama (BoursoBank) goes through the column mapper. You point at the date, the type, the amount and the quantity column once, we save that mapping to your account, and later uploads from the same broker are read without a question.

We do not print a click path here, because menu names move between releases and a wrong one costs you more time than no one at all. Look for the transaction history or the account statement of your Boursorama (BoursoBank) account and take the machine-readable version of it over the PDF.

Two things are worth settling before the first upload. First, which account the file covers, because a file that silently mixes two envelopes produces a history that belongs to neither. Second, the range: take it back to the opening of the account rather than to the start of the tax year. If the export names an operation only in words, that is fine; the description column is what the type is read from, and you can correct any row type that was read wrongly.

What to watch for with Boursorama (BoursoBank) files

Envelopes are separate portfolios. A share plan and an ordinary securities account have different rules about what may be held and when money can leave. Keeping them apart is the only way the return on each one means anything.

French wording in the type column. Operations are described in French, and the common words for a purchase, a sale and a dividend are recognised. Anything unusual falls back to the general reading and can be corrected once.

Decimal commas. Amounts are written with a comma for decimals. That is read as written, so a price of 24,80 is not mistaken for a number twenty times larger.

Charges and account fees. Order costs and any periodic account charge appear as their own bookings. Included, they lower the return by exactly what they took; left out, they make a year look better than it was.

What you see after the upload

Your file becomes a verdict first: your time-weighted return next to the S&P 500 and the Nasdaq 100 over the same period, with your own deposits replayed into the index so both sides carry the same timing. Under it sit your positions with their cost basis, the dividends you received and the income your holdings are expected to pay, your allocation across positions and currencies, and a year report you can keep for your records.

With a Boursorama envelope loaded, the comparison against an index is the screen worth opening, since the return on a restricted plan is only meaningful next to something measured on the same dates.

You can look at all of that on the demo portfolio before you upload anything of your own. The first two weeks are free and no card is asked for.

Frequently asked questions

Can I upload both of my accounts? Yes, and it is worth exporting them one at a time so you can see what each file added. Together they give the total picture of what you hold. Judging a restricted plan on its own terms is a separate question, and for that the export of that plan alone is the honest starting point.

The file is entirely in French. Does that need fixing first? No. The column headings are assigned once by you, and the words used for purchases, sales and dividends inside the type column are already recognised in French. A row we cannot classify is shown rather than guessed at, so nothing is quietly filed in the wrong category.

What is the most common mistake here? Exporting from the start of the current year. A position bought four years ago then appears without a purchase, and the gain calculated on it is meaningless while looking entirely normal. Take the range back to the opening of the account, and if the interface limits it, export in blocks and upload each of them.

Are dividends from foreign shares handled? Yes. The amount, the currency and the date are what matter, and where tax has been deducted before the credit reached you, the deduction is kept as its own amount. That way your income can be shown gross and net rather than only as the figure that finally arrived on the account.