I have a large annual contribution going into an investment account that has a low balance today. When I look at the ending balances of each investment in the account, the contribution does not appear to be going into that investment account. Where is it going?

The annual contribution is going into the correct account. But in this case, the 'Rebalance Investments Annually' toggle is set to 'Yes.' Because of this, investment accounts are rebalanced at the beginning of each period based on their percentage of the overall investment portfolio as it stands today. So an investment account with a small balance to start with will continue to have a small [...]

Where do I enter the payout of a life insurance policy?

Enter a payout or potential payout for life insurance in the Additonal Cash Inflows section. In the screenshot below, there is a life insurance payout when one plan participant dies at his life expectancy of age 90. The life insurance proceeds go to the surviving spouse. Like all cash flows from the Additional Cash Inflows section, the proceeds here will go into taxable investment accounts [...]

I have a home sale in the Additional Cash Inflows section. How is this invested when the sale takes place?

Income listed under Additional Cash Inflows, if not needed for living expenses in retirement, will go into investment accounts with an Account Type of "Taxable" on a pro-rata [...]

The 'Projected Investment Value at End of Plan' number on the main screen is much smaller than what I see for my projected investment balances in the Cash Flow Projections section when I look at the final year of projections. Why is that?

The value for 'Projected Investment Value at End of Plan' is always in today's dollars, which means inflation has been stripped out so you can see this figure in "real" dollars" or "today's dollars." However, you are able to turn off the inflation adjustment for cash flow projections where we show the values year by year. This means the year-by-year projections in the Cash Flow Projections [...]

I want a future cash inflow to go into a single investment account. If I enter it in the Additional Cash Inflows section, the inflow will be spread out among all of my taxable investments. How can I make sure it goes to one account?

You can achieve this by using an Annual Contribution instead. In the example below, this one-time cash inflow goes only into this one account when the person is 60 years old. One caveat to this: If one spouse is retired and the other spouse is still working, do not give this contribution to the working spouse. The program will assume the contribution comes out of salary income and will deduct it [...]