Edit Accounts & Holdings

The account supplies tax and ownership rules; holdings supply value

Create the account with the actual tax type, nickname, and owner, then add at least one holding. An account without holdings is ignored by portfolio calculations because no modeled asset value exists inside it. Do not use the account nickname or recorded legal owner to disguise a different tax treatment.

Recorded and intended legal ownership are planning records. A difference can create a reminder, but it does not retitle an account or change its tax treatment. Complete any real ownership change with the institution and appropriate legal documents.

Use quantity and price when available, with provisional value only as a temporary fallback

You can edit an Estimated starting balance from Plan Setup into a named holding, then add more holdings. The edited position remains in the account. Account values and Total estimated value update in the draft when you save a holding dialog; Save and return stores the complete draft.

For an ordinary fund, stock, or cash holding, enter quantity and current price so market value can be calculated. A public ticker can support price lookup. Use Temporary total-value estimate only when quantity or price is unavailable; valid detailed pricing replaces and clears the estimate.

Choose the asset class that represents how the holding should behave in analysis. A label such as “income fund” does not determine the class. Taxable brokerage holdings also need total cost basis when you want supported gain estimates; YARCalc uses average basis and does not select tax lots.

Contractual bonds, dividends, and contributions need their own terms

An individual bond held to maturity uses face value, price per $100, coupon, and maturity cash flows. TIPS also use the official TreasuryDirect index ratio: adjusted value is original face value × factor × clean real price per $100, and the projection changes principal and coupon with its inflation path while preserving the original-principal maturity floor. Bond mutual funds and ETFs remain market-valued holdings rather than contractual maturity payments. A fixed annual total return is a simplified compounding assumption and does not create coupons or principal repayment.

Dividend settings apply to taxable brokerage holdings and distinguish yield or per-share income, qualified share, and whether cash is paid or reinvested. Contribution periods are inclusive annual schedules, cannot overlap, and stop when the account owner retires. Add a new period when the amount pauses, restarts, or changes.

Link special accounts to the goal or schedule they serve

A 529 can be linked to a College Savings Goal; until linked, it does not fund that modeled goal. A modeled 529-to-Roth rollover still depends on account age, compensation, annual limits, lifetime limits, and current law. Inherited accounts require the supported withdrawal schedule that matches the planning assumption.

After saving, confirm the account total equals its holdings and review Update Balances for a consistent as-of date. Then inspect Projection for contributions, dividends, bond cash flows, withdrawals, taxes, and restricted balances. Avoid counting the same asset as both a holding and a separate incoming transfer or property.