Brokers

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

We read a MyInvestor export and rebuild the fund subscriptions, the exchange orders and the income into one dated history. Index funds and exchange traded funds sit in the same place here, and they behave differently in the file: a fund is priced once a day, an exchange order has a price and a moment. The headings are Spanish and the layout is not one we have tested, so the columns are matched once from a proposal that you confirm or correct.

What the file contains

Fund rows carry a date, the fund, the amount paid in and the number of units that amount bought, at the unit price of that dealing day. Exchange rows carry a quantity, a price and the charge on the order. Both kinds identify the instrument by ISIN, which is what stops a fund and a tracker with similar names from being read as the same holding.

Once both are in, the arithmetic is identical for each: average cost per holding, fees kept apart from the price, income recorded on the day it was credited and any deduction kept as its own amount. The dated payments into the account then drive the comparison, which replays the same money into an index. A portfolio mixing funds and trackers is exactly the case where one combined figure tells you more than two separate screens do.

How the import works for MyInvestor

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

The thing to watch for is a move between funds. It usually arrives as two rows on the same day, an exit from one and an entry into another, and both belong in the file. Read as a withdrawal followed by a fresh deposit they would distort the cash flow timeline and the comparison built on top of it. Take the export from the opening of the account, keep every fund in the same file, and check the type of any row whose description you do not recognise before you accept it.

What to watch for with MyInvestor files

A switch is two events. A move out of one fund and into another is booked as an exit at one price and an entry at another on the same day. One holding closes with a result and the other opens with a basis of its own.

Two pricing worlds. A fund has one price per dealing day while a tracker has a price at the moment of the order. Both are recorded as they arrive, and comparisons run on closing levels so the two sides stay on the same footing.

Spanish wording in the type column. Operations are described in Spanish, and the ordinary words for buying, selling and dividends are recognised. A description that cannot be placed is shown to you rather than guessed at.

Tax taken before the credit. Income can arrive already reduced. Where the export separates the gross amount from the deduction, both are kept, because the net figure on its own hides how much was taken.

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 funds and trackers in one history, the allocation view is what usually corrects an assumption, since two products can hold much the same thing under quite different names.

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

How is a switch between funds recorded? As a sale and a purchase on the same date. The fund you left closes with a realized result and the fund you entered starts with its own cost basis. Nothing is lost in the move, but the two holdings are not treated as one continuous position, because the price at which you left and the price at which you entered are separate facts.

There is no ticker on the fund rows. Does that matter? No. Funds are not quoted on an exchange, so an ISIN is the identifier they travel with, and it is more precise than a ticker in any case. Where the export gives one it is used for matching; where it does not, the fund name is used and you confirm once that the right instrument was found.

What if my export covers more than one account? Export each account on its own if you can, because a single file that silently blends two of them produces a history belonging to neither. If only a combined export exists, upload it and check the holdings afterwards against what each account shows you, so you know which positions came from where before you draw conclusions.

Does a Spanish file have to be translated first? No, and translating it would create work rather than remove it. You assign the column headings once, and the words used inside the type column for purchases, sales and dividends are already recognised in Spanish. Editing the file by hand is also the step where dates get reformatted and long decimals get shortened.