Brokers

DKB portfolio tracker: benchmark your DKB portfolio against the S&P 500

We rebuild a DKB history from the exported rows and calculate the return, the income and the costs that follow from them. DKB is a bank where the securities and the everyday money are different products, so a complete picture usually means more than one download. If the account that settles your orders is also the one you pay for daily life from, the export contains many rows that have nothing to do with investing.

What the file contains

A banking export is a list of bookings with a date, a description and an amount, and the investment related ones sit among the rest. Securities bookings normally carry an identifier and a number of units as well, which is what separates them from a supermarket payment on the row above. The depot side adds what the banking side leaves out: the price per unit and the costs charged on each order.

Once the two are together the arithmetic is straightforward. Orders give the cost basis, on average cost, with charges recorded as fees. Credits and the tax deducted from them give the income after withholding. Transfers into the investment account give the dated cash flows, and those dates are what turns an index into a fair comparison rather than a chart that happens to start somewhere convenient.

How the import works for DKB

DKB 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 DKB account and take the machine-readable version of it over the PDF.

The extra work at a bank like this is telling the investing apart from the rest. Rows without an identifier and without a quantity are usually ordinary banking, and they can stay unmapped rather than being forced into the portfolio. What must be complete is the investing part: every order, every credit, every charge, from the first purchase onwards. Where the securities view and the account view are separate downloads, take both of them, and take each one back to the year the account was opened rather than to the year you started paying attention.

What to watch for with DKB files

Everyday rows in the same file. A settlement account that doubles as a current account carries rent, salary and shopping in the same export. Those rows are not investment events and adding them would distort both the deposits and the return.

Identifiers separate the two. A securities booking normally carries an ISIN and a quantity while an ordinary payment carries neither. That difference is the most reliable way to tell them apart in a long file.

Interest is not a dividend. Interest credited on cash is income, but it belongs to the money rather than to a holding. Booked as a dividend it would attach itself to a position that never paid anything.

Long histories, limited windows. A bank relationship can be much older than the transaction view it shows online. Export the whole available period now, so a rolling window never removes a year you still needed.

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.

After a DKB upload the deposits timeline is worth a look first, because that is where an everyday banking row misread as a contribution would show up immediately.

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

Do I have to remove my private transactions first? No, and it is better not to edit the file at all. Rows without an instrument and without a quantity are not read as investment events, so ordinary payments do not become part of the portfolio. If something did land in the wrong place, the row is visible in the history and the mapping can be corrected and re-uploaded.

Why do I need the depot export as well? Because the money side records amounts, not prices. Without the securities view you can see that four hundred euros left the account, but not how many units it bought or what each one cost. With both sides present, the position and its cost basis are complete and the numbers stop depending on your memory.

How is a cash interest credit treated? As interest on the account rather than as income from a holding. That keeps the dividend total honest, because a dividend belongs to a specific instrument and a credit on your balance does not. Both still count towards what the account earned over the period you are looking at.

What if my online history does not go back far enough? Export everything that is available today and keep the file, then export again periodically so the window never costs you a year. Where older data is genuinely gone from the online view, a bank can normally still supply statements for earlier periods on request, and yearly tax paperwork tells you what a missing year contained.