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Rabobank Beleggen portfolio tracker: benchmark your Rabobank Beleggen portfolio against the S&P 500

We take the transaction overview from your Rabobank investment account and rebuild the sequence of events behind the positions you hold now. Rabobank keeps investing next to everyday banking, so the securities and the account the money runs through are presented as two different things. Neither view answers how you did against an index, and the headings arrive in Dutch, so the mapping is confirmed once and applied to later files.

What the file contains

A bank overview is written to be read rather than to be calculated with, but almost everything the calculation needs is in it. Each row carries a date, a description of what happened, an amount and, for orders, a number of units and a price. Funds and trackers are named in full and identified by ISIN, which is more dependable than a ticker because the same tracker trades under different tickers in different places.

Three groups of rows do the work. Orders build the cost basis of everything still held. Dividends and the tax withheld on them build the income side, which is the part people are most surprised by when it turns out to be absent. Deposits and withdrawals, with their exact dates, let the same money be replayed into an index, so the comparison is against your behaviour rather than against a chart that started on a convenient day.

How the import works for Rabobank Beleggen

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

Two things decide whether the first import is right. The first is completeness: a range that begins when you happened to start paying attention, rather than when the account opened, produces positions with no purchase behind them. The second is separation. If you also hold a fund account or a pension pot at the same bank, that is different money with its own history, and folding it into the trading account distorts both sides. Export what belongs together, and repeat the export whenever you want current numbers.

What to watch for with Rabobank Beleggen files

Names instead of tickers. Dutch bank overviews tend to identify a holding by its full fund name, sometimes shortened. The ISIN is the reliable identifier, and where it is present we match on that rather than on the wording.

Order date against settlement date. The day an order is executed and the day the money settles can differ. Returns are calculated on the trade date, so a settlement date read as a trade date moves a purchase into the wrong period.

Costs on their own rows. Transaction charges and service fees are booked apart from the order amount. They are part of what the year cost you, and leaving them out makes a return look slightly better than it was.

A dividend in another currency. Income from a foreign holding may arrive already converted, at the rate applied on the payment date. Where that rate is not in the file, we use the rate for that date instead of today's.

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 the Rabobank file is loaded, the dividend calendar is the fastest sanity check, because a payment you remember receiving and cannot find points straight at a gap in the range.

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 upload several years as separate files? Yes. If one download cannot reach far enough back, export year by year and upload each file; the rows are added to the history that is already there. A row that turns up in two files is recognised and not counted a second time. Check afterwards that no year is missing between the files, because a hole in the middle is harder to notice than a missing beginning.

Are dividends included in the file? That depends on which overview you took. A pure order list contains what you bought and sold and nothing else, while the account overview also carries the credits and the tax deducted from them. If your dividend total comes out at zero and you know you were paid, the file rather than the calculation is the thing to look at first.

How is a switch between funds handled? A switch inside a fund range is often booked as a sale of one fund and a purchase of another on the same day. That is what we record, so the old holding closes with a realized result and the new one starts with a basis of its own. Nothing disappears, but do not expect a single continuous position across the switch.

Does the tracker place orders for me? No. We read a file and calculate; there is no connection to your bank and no way to move money or place an order from here. That is deliberate, and it is also why your numbers move when you upload a new export rather than changing continuously during the trading day.