Portfolio performance analysis for long-term IBKR investors

Your portfolio went up.That doesn’t meanyour stock-picking won.

PerfectPerf replays every deposit and withdrawal into the passive benchmark you choose, then compares that path with your reconstructed IBKR record.

One complete Audit per IBKR account. Choose your benchmark once—it stays locked. No IBKR password required.

Benchmark Audit / 01

Example portfolio

Reconciled · source activity matched

Portfolio +18.4%

Benchmark +21.1%

Active difference−2.7 percentage points

Portfolio +18.4%. Benchmark +21.1%. Active difference −2.7 percentage points: the benchmark finished 2.7 percentage points ahead of the portfolio after matching the same cash flows.

Cash-flow events
7 matched
Dividends
+$5,840
Fees
−$812
FX effect
+$1,106
Top contributor
Microsoft +4.2 pp

The false comfort

A return number is not a verdict.

A memorable winner, a broker percentage, or a simple index overlay cannot tell you whether your decisions added value. If the comparison ignores when money entered and left your account, you may carry the wrong lesson into your next investment.

Before your next allocation, know what your previous decisions actually achieved.

One answer, three levels of proof

Know the result. Then audit the reason.

  1. See the fair comparison

    Put your IBKR result beside what the same deposits and withdrawals would have produced in the benchmark you chose.

  2. See where the difference came from

    See which positions added or removed value—and how dividends, fees, and FX changed the result.

  3. Trace the calculation

    Open the assumptions, limitations, source reconciliation, and route to the headline result.

Mechanism before claims

Your investing history should be explainable.

You should not need a fragile spreadsheet—or blind trust in another dashboard—to understand years of decisions. PerfectPerf works from supported IBKR Flex data—a read-only activity export—reconstructs the relevant activity, and shows how the conclusion was reached.

Read-only data · Cash-flow-matched comparison · Reconciled activity · Disclosed methodology

A recurring investor conversation

The missing piece was never another price chart.

PerfectPerf began with a recurring conversation: serious investors could recall the purchase price, sale price, and dividends of individual stocks—but still could not say whether their complete investing history beat putting the same money into a major index. The missing piece was a fair counterfactual.

A bounded path to the answer

How it works

  1. Choose the question

    Select one eligible passive benchmark for your free Audit.

  2. Provide your history

    Submit supported IBKR Flex Query data—never your IBKR username or password.

  3. Inspect the verdict

    Receive one immutable Audit with performance, comparison, contribution highlights, and the reconciliation trail.

The complete first answer

One complete answer. Free.

Use one complete Audit per IBKR account to establish a trustworthy baseline against the passive path you could have taken.

Your benchmark is chosen once and permanently locked. The original Audit remains accessible, but it cannot be refreshed, rerun, or recalculated against another benchmark.

Initial eligible benchmarks

  • S&P 500
  • MSCI World
  • Nasdaq-100
  1. Monetary P&L

    The result in account currency, not only a percentage.

  2. TWR

    Time-weighted return, separating performance from cash-flow timing.

  3. MWR / XIRR

    Money-weighted return, reflecting when your capital was actually invested.

  4. Dividends, fees & FX

    Income, costs, and currency effects shown as distinct drivers.

  5. Cash-flow-matched comparison

    The same deposits and withdrawals replayed into the chosen benchmark.

  6. Top contributors & detractors

    The positions that most helped or hurt the final difference.

  7. Methodology & reconciliation

    Assumptions, limitations, source checks, and the route to the verdict.

Free means the bounded answer is complete—not a trial and not a stripped-down preview.

Start your free Audit

The report proves its route

See the answer—not another dashboard.

The verdict comes first. Every supporting view remains available to explain where it came from and what it cannot conclude.

Benchmark Audit / Example

Example portfolio

Reconciled
Results after matching the same deposits and withdrawals.
MeasureResultWhat it shows
Monetary P&L+$28,640Portfolio result
Monetary benchmark difference−$4,380Passive path finished ahead
TWR+17.9%Cash-flow neutral
MWR / XIRR+18.4%Investor experience
Passive benchmark+21.1%Same seven cash flows

Active difference

−2.7 percentage pointsThe passive path finished ahead.
Dividends
+$5,840
Fees
−$812
FX effect
+$1,106

Top contributors

Microsoft +4.2 pp · ASML +2.6 pp · LVMH +1.4 pp

Top detractors

Alibaba −1.8 pp · Intel −1.1 pp

Reconciled to supported IBKR activity. Assumptions and limitations remain part of the report.

The paid continuation

PerfectPerf Annual

$299

per year · per connected IBKR account

Your free Audit answers the first bounded question. Annual keeps that answer useful while your portfolio, cash flows, and decisions change.

  1. Keep the verdict current

    Unlimited automatic refresh from configured read-only Flex Queries, with an evolving history of the same account.

  2. Change the question

    Use flexible periods and benchmarks, change the benchmark, and run multiple comparisons as your decisions evolve.

  3. Inspect every driver

    See complete position and decision contribution, then export downloadable updated reports.

Fundamentals × valuation

See whether the business grew—or only the multiple changed.

Separate valuation change from growth in EPS, revenue per share, free cash flow, operating cash flow, and EBIT—alongside dividends, FX, and costs.

The boundary at a glance

Free gives you the verdict. Annual lets it evolve.

CapabilityFree Benchmark AuditPerfectPerf Annual
Core verdictOne complete resultKept current automatically
BenchmarkOne benchmark, chosen once and lockedChange and compare multiple alternatives
PeriodOne immutable Audit periodFlexible analysis periods
DetailHeadline result, contributors, and reconciliationComplete contribution and fundamentals attribution
ReportsOriginal Audit remains accessibleDownloadable updated reports
PriceFree once per IBKR account$299/year per connected IBKR account

Included with Annual

Three ways to make the evidence usable.

  1. Benchmark Fit Check

    Confirm that the comparison answers the question you actually mean to ask.

  2. First Annual Report Walkthrough

    Read the first deeper report with the logic and limits made explicit.

  3. Evidence-to-Decision Journal

    Turn the finding into a record you can revisit before future allocations.

Reconciled-or-Refunded

The calculation is the promise.

If a supported first Annual analysis cannot reconcile IBKR activity within the disclosed tolerances or include the promised views, PerfectPerf will correct it within ten business days—or refund the Annual payment under the stated terms. This is a fulfillment promise, not a guarantee of investment performance.

Deliberately specific

Built for investors who want the uncomfortable answer too.

Best fit

Long-term, self-directed IBKR investors who select listed individual stocks from business fundamentals, have at least two years of meaningful history, and hold a genuine benchmark question.

Not designed for

Passive-only investors, day traders, options- or futures-led portfolios, advisers, other brokers, live tracking, tax filing, trade signals, or investment recommendations.

Disclosed by design

Trust the trail, not the branding.

PerfectPerf discloses how cash flows are classified, how benchmark units are replayed, which source activity reconciles, where assumptions or limits apply, and what the historical analysis cannot conclude.

PerfectPerf uses supported Flex Query data for read-only analysis and never requests an IBKR username, password, or trading access. The concept page currently accepts no IBKR data.

Offer and method boundaries

Questions worth answering.

Your next allocation deserves context

Stop guessing what your track record means.

Choose the passive alternative you could have taken and compare it with the decisions you actually made.

Start your free AuditOne complete Audit per IBKR account. No IBKR password required.