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

We rebuild a Fortuneo securities history from your transaction export and measure it against an index on your own dates. One login at Fortuneo can cover more than one kind of contract, and only some of them are securities accounts with a transaction list behind them. A unit linked insurance contract is a different product whose statements do not read as a ledger of trades, so it is not the file to bring here.

What the file contains

A securities export gives you rows with a date, a description of the operation, the instrument, a quantity, a price and an amount. Charges usually appear either on the order row or as separate bookings, and dividends appear on the day they were credited, with anything deducted from them shown as its own amount where the export separates the two.

From that we build three things. The cost basis of every position, calculated on average cost, so a holding bought over several years has one price rather than a memory of the first purchase. The income actually received, which is the part a snapshot never shows. And the sequence of payments in and out, which is what an index comparison replays; without those dates a comparison can only assume everything was invested on the first day, and that assumption flatters some years and punishes others.

How the import works for Fortuneo

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

Sort out which contracts you are importing before you start. Export each securities account on its own rather than looking for one file that covers everything, so you know which rows belong to which contract. Then take the range back to the opening rather than to January. Insurance based contracts are best left out entirely: their paperwork describes a policy, not a series of trades, and forcing it into a transaction shape produces numbers that look precise and mean very little.

What to watch for with Fortuneo files

Not every account is a depot. Several kinds of contract can sit behind one login, and only the securities accounts produce a transaction list. Statements from other products describe something else and do not belong in the same history.

Dividends credited later than announced. A payment reaches the account after the date on which entitlement was fixed. Income is recorded on the day the money arrived, which is why a dividend can appear in a different month than you expected.

Foreign holdings and the rate. A holding bought outside the euro carries a conversion at the moment of the trade. The rate on that day is part of the cost, and applying today's rate afterwards would quietly rewrite what you paid.

Periodic account charges. Charges taken at intervals rather than per order are easy to overlook because no trade is attached to them. They are read as fees, which is what they are.

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.

Once a Fortuneo securities account is loaded, the income view usually settles an argument, because dividends spread over a year are the figure people misremember most.

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 import a unit linked insurance contract? Not meaningfully. That product reports as a policy with units in supports rather than as a list of trades with prices and charges, so there is nothing to rebuild a transaction history from. Keep it out and import the securities accounts, where every purchase, sale and credit has a date and an amount behind it.

How do I split two accounts held under one login? Export each account separately, and upload the file for the account you want to look at first. Combining them by hand into one spreadsheet before uploading is the step to avoid, because afterwards nothing can tell the rows apart again with any confidence, and a return covering two different contracts describes neither of them.

Why is a dividend in the wrong month? Because the date that fixes entitlement and the date the money arrives are not the same, and the gap can be weeks. We record income on the date of the credit, since that is the date the money existed. If you are reconciling against an announcement, compare periods rather than individual months.

What is the risk with a partial export? The numbers stay plausible while being wrong. A position whose first purchases are missing gets an average price built from the later ones, which are usually higher, so the gain shown is too small and nothing on the screen looks broken. Checking the oldest row after the first upload takes a minute and prevents that.