Articles
The numbers on a portfolio screen are less obvious than they look. These explain what each one measures, where it misleads, and how to work it out yourself.
How foreign dividends are taxed for Slovak investors
A foreign dividend is taxed twice: at source, then in the Slovak return. How the credit works, when tax is still owed, and what goes in the return.
· 5 min read
What a 1% TER actually costs you over 20 years
On a €10,000 start plus €300 a month, a 1% ongoing charge takes about €25,000 over 20 years. A calculator, and why the damage exceeds the fee.
· 6 min read
How concentrated is too concentrated?
No official threshold exists. There is arithmetic: largest weight, top five weight, and the index that says how many holdings you effectively own.
· 6 min read
How dividend withholding tax works for EU investors
A dividend rarely arrives in full. What the W-8BEN changes, why it does nothing for funds, and why Irish domicile keeps appearing in fund listings.
· 7 min read
How to export your portfolio from Saxo
Saxo offers twelve reports and the names do not say which holds your transactions. It is the Account Statement, as Excel, over your whole history.
· 4 min read
Snowball Analytics alternative, honestly compared
Snowball gives away more dividend tools than HaboFi on its free plan, but stops at ten holdings. Where each one is the better fit.
· 4 min read
Sharesight alternative, honestly compared
Sharesight's tax reports and multiple portfolios are ahead of HaboFi. Its free plan stops at ten holdings, including closed ones. An honest comparison.
· 4 min read
getquin alternative, honestly compared
getquin syncs your accounts automatically and covers net worth; HaboFi never connects to your broker. Where each one is the better choice.
· 4 min read
How to export your portfolio from Trade Republic
Trade Republic added a real CSV transaction export in April 2026. One file covers brokerage and cash, and it replaces every PDF-scraping workaround.
· 5 min read
How to export your portfolio from eToro
eToro gives you an Excel workbook, not a CSV, and never writes a unit price. Which sheet to use and the three quirks that break an import.
· 6 min read
How to export your portfolio from Revolut
The Revolut mistake is exporting the wrong account. Your investing statement is separate from the bank one, and stock splits need their own handling.
· 5 min read
How to export your portfolio from Interactive Brokers
IBKR calls it an Activity Statement. Its trade rows carry no buy or sell word at all, while the dividend rows in the same file do.
· 6 min read
How to export your portfolio from XTB
XTB writes Stocks purchase and Stocks sale rather than buy and sell, and puts withholding tax on its own row. Both decide whether an import works.
· 5 min read
How to export your portfolio from DEGIRO
DEGIRO has two exports, not one. Take only the Transactions file and your dividend history is empty — and every sale arrives as a negative number.
· 6 min read
How to export your portfolio from Trading 212
Trading 212 exports your whole history as a CSV. Two settings on that screen decide whether the file is usable, and both default to leaving things out.
· 6 min read
How to export your portfolio from any broker
Every broker exports a transaction history and none agree on the columns. What to download, what goes wrong, and a guide for each broker.
· 8 min read
Why your Trading 212 return percentage is wrong
Trading 212 shows a simple return that treats every deposit as if it had been there from the start. Here is what the number actually measures.
· 8 min read
Yield on cost vs current yield, explained
Two dividend yields, two different denominators, two different questions. Which one belongs in which sentence.
· 7 min read
Ex-dividend date vs pay date — what actually matters
Four dates surround every dividend and only one of them decides whether you get paid. A plain description of what each one does.
· 6 min read
How to calculate real return when you keep adding money
Monthly contributions break the simple percentage-gain formula. A worked example of the two methods that survive them.
· 9 min read
Portfolio tracker without connecting your broker
Open banking connections, read-only API keys and CSV files are three different levels of access. What each one actually hands over.
· 7 min read