Brokers

Keytrade Bank portfolio tracker: benchmark your Keytrade Bank portfolio against the S&P 500

Keytrade Bank is a bank and a broker behind one login, so an account overview can mix ordinary payments with securities transactions. We rebuild the investing side of that file into holdings, income and cash flows once the columns have been pointed out. We have not validated a wide range of Keytrade exports, so the layout is something you confirm on the first upload rather than something we recognise.

What the file contains

A securities overview from a bank lists every executed order with its date, the instrument, the number of units, the price and the amount settled, alongside the dividends credited, the tax taken off them, the charges applied and the transfers in and out.

When the export also covers the payment side of the account, rows appear that have nothing to do with investing. Those are cash movements and they are treated as such, because money that never bought anything cannot have produced a return on anything.

Amounts are stated in the currency of the transaction. A euro account holding a fund priced in dollars produces rows in both, and each of them is converted at the rate that applied on its own date rather than at the rate today, which is what keeps an old purchase from changing price.

How the import works for Keytrade Bank

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

Export the securities activity and the cash activity for the same period so the two line up, and start that period before your first order rather than at the beginning of a calendar year.

Where the download offers a choice between a readable table and a printable document, take the table. A printable statement shows the same facts in a shape that has to be retyped, and retyped numbers are where mistakes enter a portfolio. Once you have confirmed what each column means, that answer is stored and later files with the same layout import without the step.

What to watch for with Keytrade Bank files

Two kinds of row in one file. A salary payment, a card transaction and a share purchase can share a single list. Only some of those rows belong in a portfolio, and deciding which is part of what you confirm while mapping.

Tax taken at source. Income can arrive with tax already withheld. Whether the deduction gets a line of its own decides whether the gross figure is knowable from the file or only the net one is.

Transfers between your own accounts. Money moved from a savings account into the investing account is not new wealth and it is not a return. It is a deposit into the portfolio on the day it arrived, and dating it correctly is what keeps a comparison with an index honest.

Order date or settlement date. A bank often records when a trade settled as well as when it was placed. Which of the two you map matters for a cash-flow replay, and the order date is the one that matches what you actually did.

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 the banking rows kept outside the portfolio, the allocation view and the verdict describe the money that was actually invested and nothing else.

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

Which export should I use for investing? The one that lists securities transactions over the full period, in CSV or spreadsheet form. If your download combines banking and investing in one file, that works too, because the rows that are not investments are identified during mapping and kept out of the portfolio rather than deleted from the file.

My portfolio contains rows that are not investments. How do I fix that? Reopen the mapping for this broker and mark the column that distinguishes the row types, then upload the same file again. Nothing has to be deleted by hand. This is the most common surprise with a combined bank export, and it is visible immediately because a portfolio total appears that no holding explains.

Does it matter which date column I choose? Yes, more than it looks. A settlement date sits a couple of days after the order date, and a benchmark comparison replays your money on the dates you give it. Over years the difference is small; over a short period with a large deposit it is not. Map the order date where the file offers both.

Can I see everything in euros? Yes. Choose euros as your base currency and every row is restated into it at the rate from its own date, including holdings priced in dollars. The imported amounts stay exactly as the bank recorded them, so switching the display currency later changes how the numbers are shown and never what they are.