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💶 Deposit & Withdrawal

Transaction Form — DEPOSIT

Deposits and withdrawals track the movement of cash into and out of a broker account. They do not involve any asset — only the cash balance changes.

🔑 Key Properties

Property Deposit Withdrawal
Code DEPOSIT WITHDRAWAL
Cash effect ⬆️ Increases balance ⬇️ Decreases balance
Asset effect — —
Tax event No No

💡 Why They Matter

Deposits and withdrawals don't change your portfolio's market value, but they are critical for performance measurement:

  • Money-Weighted Return (MWR): accounts for timing and size of cash flows — directly affected by deposits/withdrawals
  • Time-Weighted Return (TWR): eliminates the effect of cash flows to measure "pure" portfolio performance

Without accurate deposit/withdrawal tracking, it's impossible to distinguish between returns generated by the portfolio and returns caused by adding/removing cash.

Broker-import nuance: a securities-only export may omit the bank-account cash legs that funded trades or received proceeds. In that case a plugin can auto-generate cash counterparts to keep the imported broker cash neutral: DEPOSIT + BUY for a cash purchase, or SELL + WITHDRAWAL for a sale/redemption. Crédit Agricole uses this model only for its Securities Account Activity List: coupons and maturity premiums remain income, but receive balancing WITHDRAWAL entries. Its Account Activity List carries real bank cash and does not create those balancing entries.

Learn more

See 📈 Returns & Growth Rates for the formulas and methodology.