Import Holdings from Any Broker: CSV, PDF, and Excel Guide

Most investors don't keep everything in one place. You might hold US tech in one app, European ETFs with a local bank, and a retirement account somewhere else. The problem isn't tracking each account — it's seeing the whole picture: total exposure, sector overlap, and how a CPI print or Fed decision hits every ticker you own.

Ripplora solves this with Smart Import: upload a broker export file and AI parses your holdings automatically. No OAuth connections, no sharing login credentials — just the same CSV, Excel, or PDF statement you already download from your broker.

Why file-based import instead of account linking?

Direct broker integrations sound convenient, but they come with trade-offs: limited broker coverage, broken sync when APIs change, and security concerns around third-party account access. Smart Import takes a different approach — you control what data enters the system, when, and from which account.

• Works with any broker that lets you export holdings or transaction history
• No credentials shared with third parties
• Import on your schedule — after trades, monthly, or when consolidating accounts
• Supports multiple currencies (USD and EUR) and exchanges (US, XETRA, LSE, and more)

Supported file formats

Smart Import accepts the formats brokers actually export:

• CSV and TSV — the most common export from US and European brokers
• Excel (.xlsx, .xls) — typical for bank and wealth platforms
• PDF — account statements and portfolio summaries (AI extracts tabular data)
• Plain text (.txt) — some platforms export pipe- or tab-delimited files

Files up to 8 MB are supported. After upload, AI reads column headers, quantity fields, average cost, ISINs, and currency markers — then normalizes everything into a consistent portfolio format.

Step-by-step: importing from a broker export

1. Open your broker or bank app and export your current holdings (positions, portfolio, or account summary).
2. In Ripplora, go to Portfolio and open Smart Import.
3. Drop the file or select it from your device.
4. Review the AI preview: tickers, quantities, average buy price, currency, and exchange.
5. Choose merge or replace for any tickers that already exist in your portfolio.
6. Confirm import — live quotes and P/L update immediately.

Consolidating multiple investment accounts

The recommended workflow for investors with two or more accounts is simple: import one broker at a time using merge mode.

1. Import your largest or primary account first (replace mode if the portfolio is empty).
2. Export and import each additional account with merge mode enabled.
3. If the same ticker appears in two accounts, quantities and average cost are combined automatically.
4. Use replace mode only when you want to overwrite an existing position entirely.

After consolidation, your dashboard shows aggregate sector exposure, total P/L, and macro impact analysis across the full book — not just one siloed account.

What AI handles automatically

• Ticker normalization — ISIN to symbol mapping, exchange suffixes (e.g. .DE, .L)
• Currency detection — USD and EUR holdings in the same portfolio
• Asset type classification — stocks, ETFs, ADRs, funds, warrants
• Ambiguous row warnings — skipped rows or low-confidence parses are flagged in the preview

Tips for cleaner imports

• Export holdings or positions, not full transaction history, when you only need current weights.
• Prefer CSV or Excel over scanned PDFs when available — structured data parses faster.
• Check the preview summary for warnings before confirming.
• Add any missing tickers manually if a broker uses non-standard symbols.

Smart Import is for education and research. Always verify parsed holdings against your broker statement before making investment decisions.

What happens after import?

Once holdings are in Ripplora, the rest of the platform activates: live quotes, sector heatmaps, economic calendar impact analysis, AI risk reports, and smart alerts — all weighted to your actual positions. Import is the first step; the terminal is what makes consolidated data actionable.