A few comments below.

"scottkinsey" <scottkinsey[at]discussions.microsoft.com> wrote in message
news:5F8610DB-A3C8-4A18-A74C-B7A20250AE0B[at]microsoft.com...
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I'm not sure that's why it does it. In order to make the 401(k) Manager
work, they needed a place to balance out reported Cash amounts. For those of
us who hoave 401(k)s that "float" cash for a period of time between taking
it out of our hands and actually getting it invested, there would be no
other place to put adjustments to make this work. So they just require it
for all. It's really no great issue. Just move the cash to the cash account,
then buy the investments from the cash account. The balacne on teh cash
account always returns to $0 in the same day.

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This sounds like an issue with the plan. Who knows, maybe internally they
are storing 12 digits? Seems stupid, but there you have it.

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Why would your cost basis be off at all??? Your contributions/total $ amount
of the buys is set at the same two decimal places, no? Now, the share
balance may be off. But it can't be by much. Use the Account Summary Account
Update feature to balance the share total to the statements. You'll see
exactly how far you drift by the sixe of the Add/Remove Shares transactions
this generates.

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You say they create Cash transactions. Like what kind? Buy Investment/CD?
Just go in and delete the Transfer Account from the Buys in the Investment
Account. The Buy Investment/CD will then disappear from the Cash account.
(Caveat: since Money thinks downloaded transaction data is somehow sacred,
it may not let you do this. Can't say. I enter everything manually. That way
I always get it my way.)

Thank you for the response. I really appreciate the input from experts like
yourself who help us. In this case, this is a 401k and the cash comes
directly from my paycheck and employer-matching. There is no money market
account. The deposits purchase shares in the mutual funds and stock I have
selected.

There are no purely cash transactions in the downloaded data from my
financial institution. Just the purchases of shares. Money adds the cash
transactions in some feeble attempt to balance my account.

There is a difference between manual transactions and the downloaded
versions. In the downloaded transactions, the values are shown to the 6th
decimal place for the stock price and shares purchased. But, when I look at
my online transactions to enter them manually, there are only 3 decimal
places. Cost is always only two decimals of course. I enter the shares and
cost and let Money calculate the price which is always a little different
from my account. Every few months, my Money account differs from the actual
balance in my account due to rounding errors. I have no idea how far off my
cost basis is after several years.

I understand tracking cash in other accounts where there is a money market
account. That does make sense.

Guess I will have to enter transactions manually. It bugs me that Microsoft
couldn't include this capability.

"William R Wood" wrote:

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I assume what is happening is that your investment accounts store cash in a
money market type account which must be treated as a security with a value
of $1.00 rather than checking account type cash. When you download
transactions from your broker the negative numbers are withdrawals from your
money market account. Money will handle this properly if you setup your
accounts correctly using a security to track the money market cash.

Personally I prefer tracking investment account cash, including money market
cash, as if it is ordinary cash and not a security, so I do enter all
investment transactions manually so I do not need to download the money
market transactions from my brokers. Even though I was a full time
stock/options trader for 5 years I had no trouble entering all of my
hundreds of trades manually and my cash accounts always reconciled to the
penny with my broker's statements.

The cash portion of investment accounts in Money is essential in my opinion
since I want to track all cash transactions and reconcile those with my
brokerage statements. Since all investment accounts must have cash
transactions, why would you want to disable cash tracking? Money is simply
providing you with the means to record your transactions in a complete
manner.

Regards,

Bill Wood
Fountain Hills, AZ


"scottkinsey" <scottkinsey[at]discussions.microsoft.com> wrote in message
news:CE9F8B70-4B0F-4D4C-BAE5-665B475CA047[at]microsoft.com...
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I use Money to track my investment transactions only. So, when I download a
statement and reconcile the transactions, Money creates cash transactions.
But, these transactions are negative and affect the totals in the Portfolio
Manager. And if I delete them, then Money also deletes the transactions.

How can I track my investments without tracking the Cash ? Is there a way
to delete the cash transactions without deleting the actual equity purchase ?

To me it seems the only way to do this is to enter all transactions
manually. Why do retirement accounts have to have cash accounts ?!?!?

-- Very Frustrated Money User