Brokers

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

We turn a Meesman transaction overview into a dated record of contributions and units, and replay the same money into an index for comparison. Meesman offers its own index funds instead of exchange orders, so each row is a purchase of units at a fund price on a dealing day rather than a trade at a moment during the day. That also means there is no ticker to look up, and if your funds reinvest their income instead of distributing it there will be no dividend rows to find.

What the file contains

A fund overview is short and repetitive, which is exactly what makes it easy to check. Every row is a date, an amount you paid in, the number of units that amount bought and the price per unit on that dealing day. Units are held in fractions, often to several decimal places, and each decimal counts towards the position you own.

Two things follow from that. Your cost basis is the sum of what you contributed, which is unusually clean here because there is no exchange fee inside the price and no currency conversion on the way in. Your return comes from the unit price over time, and the fair comparison replays your contributions on their own dates into an index tracker. Monthly amounts make that comparison more informative than a single lump sum would, because every month bought at a different level.

How the import works for Meesman

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

The work here is small and the risks are specific. Take the overview from the first contribution onwards, since a fund position built over ten years has ten years of purchases behind it and one missing year moves the average price. If you hold more than one fund, keep every fund in the same file rather than exporting one of them. And resist tidying the unit numbers: a holding of 143.8271 units is ordinary, and trimming it to two decimals changes the position by real money.

What to watch for with Meesman files

Fractions of a unit. Contributions rarely divide neatly into whole units, so fractional holdings are the rule and not the exception. Every decimal in the file is kept as it stands.

One price per dealing day. A fund is priced once a day, so a contribution has no intraday price and no bid or ask. Both sides of a comparison therefore run on closing levels, which keeps the two series on the same footing.

Steady contributions add up. A standing monthly amount produces a long file of small rows. That length is useful rather than awkward: each dated payment is a separate cash flow, and dated cash flows are what a time weighted return is built from.

Reinvested income is invisible. When a fund reinvests what it receives, nothing arrives in your account and no dividend row exists. Total return, not the dividend total, is the figure that describes a holding like that.

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.

For a Meesman history the yearly report tends to be the most useful screen, since a plan of steady contributions is easier to judge over years than over weeks.

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

Why are there no dividends in my file? Because a fund that reinvests its income never pays anything into your account. The income is not lost; it raises the unit price instead. If the funds you hold do distribute, the payments appear as their own rows and are recorded as income, so the answer depends on the funds rather than on the export you took.

Can a fund plan be compared with an index at all? Yes, and the comparison is the point of it. Every contribution is a dated cash flow, so the same amounts on the same days can be put into an index tracker and the two paths held next to each other. That shows what your fund choice and your timing did together, without pretending everything went in on day one.

What if I also invest at a broker? Upload both files. They are read into one history, so a fund plan and a brokerage account can be judged as a single portfolio without anything being merged by hand first. Every row keeps the currency it was written in, and each holding keeps a cost basis of its own, whether it is a fund unit or a share.

What can go wrong with such a simple file? Two things. Starting the range at the beginning of the current year, which silently drops years of contributions and makes the average price wrong. And editing the file first, because spreadsheet software reformats dates and shortens long decimals while it opens, and a unit count is precisely the sort of number it likes to shorten.