How to track your DEGIRO portfolio

DEGIRO has gained popularity among European investors as a low-cost broker offering access to international markets without the high fees traditionally associated with global investing. While the platform excels at providing affordable trading across European and international exchanges, many users discover that monitoring their long-term investment performance and understanding portfolio composition requires more sophisticated tools than what the broker provides.

The challenge becomes particularly apparent when you want to analyze your investment returns over different time periods, track dividend growth, or understand how your asset allocation has evolved. Using a comprehensive tracking solution can bridge this gap and provide the insights needed for informed investment decisions.

Why tracking your DEGIRO portfolio matters

DEGIRO's platform focuses primarily on trade execution and cost efficiency rather than in-depth portfolio analysis. While you can view your current holdings and see basic profit and loss information, the interface doesn't offer the comprehensive performance tracking tools that long-term investors typically need.

Without proper tracking, you might overlook crucial aspects of your investment journey. You could miss trends in your dividend income, fail to notice unwanted concentration in specific sectors, or struggle to evaluate whether your investment strategy is delivering the returns you expected. This becomes even more complex when you're investing across multiple European markets or holding positions in different currencies.

Comprehensive portfolio tracking enables you to identify which investments are truly driving your wealth creation and which might be dragging down your overall performance. It also provides the historical data needed to make strategic decisions about portfolio rebalancing, tax optimization, and future investment allocation.

What DEGIRO offers

DEGIRO has revolutionized European investing by making international market access affordable for retail investors. The platform provides trading in stocks, ETFs, bonds, and options across major global exchanges, with particularly strong coverage of European markets.

The broker's main appeal lies in its transparent, low-cost fee structure and the ability to invest in thousands of ETFs without transaction costs through their core selection. This makes DEGIRO especially attractive for passive investors building diversified portfolios with ETFs, as well as active investors who want to minimize trading costs.

DEGIRO also offers useful features like real-time market data for many exchanges, a mobile app for on-the-go trading, and access to both European and international markets from a single account. The platform supports multiple currencies and provides basic portfolio overviews.

However, when it comes to detailed portfolio analysis and performance tracking, DEGIRO's capabilities are somewhat limited. While you can export basic transaction data and view simple performance metrics, the platform lacks advanced features for analyzing long-term returns, tracking dividend growth over time, or visualizing portfolio diversification in meaningful ways.

How to track your DEGIRO portfolio manually

The conventional method for tracking your DEGIRO portfolio involves downloading transaction reports and creating your own analysis system. DEGIRO allows you to export activity statements and transaction overviews in various formats, which you can then use as the foundation for manual tracking.

This typically involves importing your transaction data into spreadsheet software and building formulas to calculate performance metrics, track dividend payments, and monitor your asset allocation over time. You'll need to manually account for currency fluctuations, especially important given DEGIRO's multi-currency nature, and handle events like stock splits or dividend reinvestments.

While this approach gives you full customization over your tracking methodology, it presents several significant challenges. The process requires considerable time investment and attention to detail, particularly when dealing with international investments and currency conversions. Maintaining accuracy becomes increasingly difficult as your transaction history grows, and the lack of automation means your analysis is only as current as your last manual update. Additionally, calculating meaningful performance metrics like money-weighted returns becomes complex when handling multiple currencies and varying contribution amounts.

A smarter way – use Stock Portfolio Tracker

Instead of managing complex spreadsheets and manual calculations, a specialized portfolio tracking platform can automate the analytical heavy lifting while delivering clear insights into your investment performance.

Stock Portfolio Tracker provides a comprehensive solution for monitoring your DEGIRO portfolio alongside any other investments you might hold elsewhere. The platform automatically handles multi-currency calculations, making it particularly well-suited for DEGIRO users who invest across different markets and currencies.

The system calculates accurate performance metrics including money-weighted returns, tracks dividend income with automatic reinvestment handling, and provides intuitive visualizations of your portfolio's geographic and sector diversification. This is especially valuable for DEGIRO users who take advantage of the platform's international market access.

Key features include automated performance tracking across flexible time periods, comprehensive dividend analysis with growth tracking, detailed asset allocation breakdowns by region and sector, and automatic handling of corporate actions like splits and mergers. The platform also provides portfolio alerts and can track your progress toward specific investment goals.

How to add your DEGIRO portfolio

Setting up tracking for your DEGIRO portfolio is a straightforward process. You can begin by manually entering your current positions along with their purchase dates and costs, or streamline the process by importing historical transaction data using DEGIRO's export functionality.

The tracking platform supports all investment types available through DEGIRO, including European and international stocks, ETFs from their core selection and beyond, bonds, and other securities. The system automatically handles the multi-currency aspects that are common with DEGIRO investing, converting everything to your preferred base currency for consistent analysis.

When importing historical data, you have the flexibility to add transactions gradually or import your complete trading history at once. The platform will automatically calculate cost basis, unrealized gains, and comprehensive performance metrics based on your transaction history, taking into account currency fluctuations and dividend reinvestments.

Track all your investments in one place

One of the most significant benefits of using a dedicated tracking solution is consolidating all your investments into a single, comprehensive view. If you hold investments with DEGIRO alongside other brokers, pension accounts, or alternative investments, you can monitor your entire portfolio from one central location.

This consolidated approach is particularly valuable for maintaining proper diversification and avoiding unintended concentration risks. It also simplifies strategic decisions like rebalancing across accounts or implementing tax-efficient strategies that consider your complete investment picture.

Having a unified view of all your investments also streamlines reporting for tax purposes and provides better data for financial planning discussions. You can easily see how your DEGIRO holdings fit into your broader investment strategy and make more informed decisions about future allocations.

Final thoughts

DEGIRO serves investors well by providing low-cost access to global markets, making international diversification accessible to European retail investors. However, like most brokers, the platform prioritizes trade execution and cost efficiency over comprehensive portfolio analysis and long-term performance tracking.

This is where a dedicated stock portfolio tracker becomes invaluable, filling the analytical gaps and providing the insights needed for successful long-term investing. Whether you're building a diversified ETF portfolio through DEGIRO's core selection or actively trading international stocks, having clear visibility into your investment performance helps ensure you stay aligned with your financial objectives and can make data-driven decisions about your investment strategy.