Library
DeGiro guides
Short, practical reference articles on exporting your DeGiro CSV, the math behind cost basis and realized P/L, the meaning of every Dutch transaction description, and how end-to-end encrypted mobile sync works.
Frequently asked questions
FolioInsights parses your DeGiro CSV entirely in the browser. The only thing that routinely leaves your device is the list of ISINs and currency pairs we need to fetch a live price or exchange rate for — your transactions, balances and cost basis stay in your browser. The one opt-in exception is encrypted sync, which uploads them as ciphertext the server can't read.
Export your DeGiro account.csv
DeGiro lets you download a full history of every transaction on your account as a CSV. Here is where to find it and how to use it with FolioInsights.
Cost basis and realized P/L on DeGiro
DeGiro tells you what you bought and sold, but it does not hand you a cost-basis figure. To know your actual profit or loss on a position, you need to compute it yourself.
DeGiro CSV transaction types, decoded
The DeGiro account.csv uses Dutch descriptions for every row. This is the full list of what each one means and how FolioInsights classifies it.
How encrypted mobile sync works in FolioInsights
Encrypted mobile sync is currently in beta for allowlisted paid accounts, but the security model is public. Your DeGiro transactions are encrypted in your browser, and the sync database stores ciphertext only.
Box 3 2028 vs the current system
The Netherlands plans to replace the long-criticised fictive-return Box 3 with a tax on actual returns from 1 January 2028. For shares and ETFs the new system is a yearly mark-to-market: you pay 36% on the actual change in value of your portfolio plus dividends, with a €1,800 tax-free amount and indefinite loss carry-forward.
Portfolio concentration risk, in plain English
If three positions own most of your portfolio, three news headlines own most of your future. This is a practical walkthrough of how to measure concentration and what to do about it — using the exact metric the FolioInsights analytics page shows.
Currency exposure, decoded
If you buy US stocks from a euro account, half of every monthly move is the euro–dollar rate. This guide walks through how to separate FX from underlying returns, why hedged ETFs exist, and what FolioInsights' Currency Impact panel actually computes.
Forward dividend forecast, explained
Looking at last year's dividends is rear-view investing. This guide walks through how a forward 12-month dividend forecast is built from declared schedules, what 'forward yield' really means, and how to plan around the monthly cadence.
Alpha vs benchmark, in plain language
Knowing your portfolio is up 8% means nothing if MSCI World was up 14%. This guide walks through alpha, beta and correlation, why time-weighted return is the only honest input, and how to read FolioInsights' benchmark comparison.
Drawdown and monthly returns, decoded
Annual return is the headline; drawdown is the experience. This guide walks through max drawdown, the underwater curve, monthly time-weighted returns, and why a DCA portfolio's 'best month +160%' is almost always an illusion.
The three portfolio pillars
Three numbers summarise much of how a portfolio behaves: how much income it throws off, how brutally it has fallen in past crashes, and how concentrated it is. FolioInsights combines them into one Pillars chart — and this guide explains exactly what each axis measures, and where the model deliberately simplifies.
Privacy-first DeGiro portfolio trackers, compared
Your portfolio is sensitive data. This is a side-by-side look at which DeGiro trackers keep it on your own device and which send it to the cloud — so you can choose on facts, not marketing.
DeGiro and Box 3, explained
If you invest through DeGiro and live in the Netherlands, your portfolio is taxed in Box 3 on a fictive return — not your actual gains. Here's which number goes on your tax return and how the tax is worked out.