Passive investing without the spreadsheet
You buy ETFs regularly and don’t want to watch charts every day. FundStat collects trades from all your accounts, measures returns without the effect of contributions and shows each quarter whether your portfolio keeps up with the index.
Passive investor profile
- Strategy
- Buy and hold
- Typical assets
- ETFs, treasury bonds
- Contributions
- Monthly, fixed amount
- Portfolio check
- Once a quarter
- Horizon
- 10 years or more
Passive investor – the problems you run into most
The strategy is simple, keeping track of its results is not. Most people who invest in ETFs regularly and for the long term know these situations.
Every month I copy my ETF purchases into a spreadsheet, and something still doesn’t add up.
Transaction import reads the history from your broker’s file, so you add new contributions in seconds, without retyping anything.
My IKE is at one broker, my regular account at another and my bonds at a bank.
Each account is a separate portfolio, and the dashboard shows them together, in one currency and with one result for your whole wealth.
My balance is growing, but I can’t tell how much is contributions and how much is actual gain.
FundStat measures returns with TWR, which removes the effect of deposits and withdrawals, so you see the result of the strategy itself.
I don’t know whether my portfolio does better than a plain index.
Benchmark comparison puts your portfolio next to the index you choose, over the same period and in the same currency.
A passive investor’s year in FundStat
Passive investing comes down to a few repeated tasks a year. Each of them has its place in the app.
- Every month
Add the new contribution
After buying ETF units, upload your broker’s file or add the trade by hand. The portfolio shows the new state right away.
Transaction import - Every quarter
Check the result against an index
Once a quarter, compare the portfolio’s return with an index and check whether the strategy works the way you planned.
Benchmark comparison - Once a year
Restore your target allocation
Check the share of stocks, bonds and currencies in the portfolio and decide whether it needs rebalancing.
What rebalancing is - February–April
Report sales in PIT-38
If you sold units during the year, the annual summary collects the amounts you need for the tax return.
Annual summary
The features passive investors use most
You don’t need everything at once. These four features are enough to run an ETF portfolio without a spreadsheet.
- Portfolio benchmarkingShows whether, after costs, the portfolio keeps up with the index you want to follow.
- Import assistantAdds your monthly purchases from the broker’s file, without retyping trades.
- DividendsCollects dividends from distributing ETFs, together with the tax withheld.
- Annual tax summaryPrepares the PIT-38 amounts when you sell units outside IKE and IKZE.
Passive investing in numbers
- of active EUR-denominated global equity funds lagged the S&P World over 10 years
- 98%
- Source: S&P Dow Jones Indices, SPIVA Europe Mid-Year 2025
- is the 2026 IKE contribution limit, and selling ETFs inside the account doesn’t go into PIT-38
- PLN 28,260
- Source: Polish Ministry of Family, Labour and Social Policy
- capital gains tax applies when you sell ETFs at a profit outside IKE and IKZE
- 19%
- Source: Polish Personal Income Tax Act, art. 30b
“Don’t look for the needle in the haystack. Just buy the haystack.”
An ETF portfolio in a spreadsheet, a broker app and FundStat
Each of these tools shows part of the picture. The table compares what matters most to a passive investor.
| Spreadsheet | Broker app | FundStat | |
|---|---|---|---|
| All accounts and IKE in one view | |||
| Return without the effect of contributions (TWR) | |||
| Comparison with an index | |||
| Result in PLN including exchange rates | |||
| PIT-38 amounts | |||
| No manual entry of trades |
- Yes
- Partly or by hand
- No
Passive investor – frequently asked questions
Passive investing means buying broadly diversified index funds, usually ETFs, and holding them for years. Instead of picking single stocks and timing the market, the investor adds a fixed amount regularly and gets a result close to the whole market’s, minus the fund’s low costs.
A passive investor’s portfolio – less watching, more control
Passive investing works when you stick to the plan. FundStat collects contributions from every account, measures the result without the effect of contributions and shows each quarter how the portfolio compares with the index.
Other investor profiles
- Aggressive investorFrequent trades, growth stocks and futures, with every position’s result under control.
- Dividend investorTrack dividend payouts, yield and the passive income your portfolio generates.
- Conservative investorTreasury bonds and safer assets. See whether your portfolio beats inflation.
- Retirement saverIKE, IKZE and OKI accounts in one place, with returns measured over years.
- Multi-account investorSeveral brokers, banks and currencies, one consistent picture of your wealth.