Enter information about your investments in the Lifetime Planner

Including accurate investment details helps the Lifetime Planner better estimate your financial future. Investments can significantly affect your ability to meet retirement goals, cover education costs, and plan for major life expenses. By clearly defining how you intend to use each investment account and the amounts you’ll contribute, you ensure that your financial projections are realistic and actionable.

🖥️ Open the investment settings

Follow these steps to begin entering investment information:

1. Click the Planning tab.

2. Select Lifetime Planner.

3. Click Plan Assumptions, if the assumptions list isn't visible.

4. Select the Investments tab.

Your available investment accounts appear.

✅ Select accounts for your plan

You can include or exclude specific accounts:

• Include accounts: Select an account and click Details.

  • Choose General expenses or specify a particular use.

  • Click OK.

• Exclude accounts: Select an account and select Exclude from plan.

➕ Enter investment contributions

Plan your investment contributions clearly:

• Add new contributions:

  1. Select an investment account.

  2. Click New under Contributions.

  3. Select either:

     • Percentage of salary (yours or your spouse's), or

     • Fixed amount increasing yearly by inflation or custom rate.

  4. Click Next.

  5. Enter contribution amount, start and end dates, and frequency.

  6. Click Done.

• Edit existing contributions:

  1. Select an existing contribution.

  2. Click Edit.

  3. Modify details as needed and click Done.

🎯 Example:
You contribute 2% of your salary annually from June 2025 until January 2029 to your brokerage account.

📌 Key investment details

• Current investments: Existing holdings like stocks, bonds, and mutual funds automatically appear.

• Creating new accounts: Click New in this window to add new investment accounts (IRA, brokerage, etc.).

🚩 Special scenarios for investment planning

• Stock options:

  • Add an Other Income event dated at exercise.

  • Add a matching Special Expense for the cost at the same date.

• Using dividends or interest as income:

  • Enter this separately as Other Income.

  • List the asset separately under Asset Accounts or Planned Assets.

• Bond income (interest spent, not reinvested):

  • Record bond growth rate as 0%.

💱 Currency reminder

The Lifetime Planner supports only U.S. dollars. Ensure foreign currency accounts are converted and listed accurately in U.S. dollars.