Dick,

Yes and thank you so very much. I really appreciate all your help.

Cindy

I'm assuming, based on some name lookup activity, that your un-mangled email
address is as below less 4 fs. I will send the SS later, allowing a while
for you to post back that my assumption is wrong.

As to employer match/contribution money, yes, you need to somehow get it
into the Cash account to match up with the Buys that include it. See
http://umpmfaq.info/faqdb.php?q=14 for how I do it. There are lots of other
ways, of which just adding a cash deposit to the 401k cash account is one.

"Cindy Conover" <cconover[at]kwfffftrucklease.com> wrote in message
news:Og9CwP6RGHA.2300[at]TK2MSFTNGP11.phx.gbl...
- quote -

Dick,

Ok, I think I finally got it. Thanks so much. That spreadsheet would be
wonderful. One last question. Since my employer does not list their
contribution to my 401K on my paycheck, would I be better off adding a cash
deposit of the amount as an adjustment each month?

Cindy

OK. This is one Buy transaction from Cash.

In the case of a investment rebalance, the Cash for the Buy typically comes
from a Sell. I'm inferring that one or more of your investments reduced
position by $134.97. I'm also inferring that you didn't download a Sell
transaction?!? This will cause you three problems: 1) The share amount hence
investment value of the fund losing shares will not be right, 2) The cash
that Buys the fund(s) you are balancing into will be drawn from money never
put in the investment cash account, so the balance of this account will go
negative, 3) Since the value of the fund losing shares will be wrong, the
total account value will be wrong.

I don't download data. Seeing examples like yours of how well the data they
download (doesn't) integrate with Money reminds me of why I don't download.
But I've entered cases like this by hand many times. You need to know the
settlement amounts for all of the funds involved on the day they do the
transaction.

Example:

Begin state:
Fund A 123.456 shares [at] 10.50 (5.8%)
Fund B 456.789 shares [at] 19.00 (39.1%)
Fund C 789.123 shares [at] 15.50 (55.1%)

New target allocation:
Fund A 10%
Fund B 20%
Fund C 40%
Fund D 30% ([at] 22.35 per share)

Net:
Buy 88.036 shares of Fund A [at] 10.50
Sell 223.034 shares of Fund B [at] 19.00
Sell 216.047 shares of Fund C [at] 15.50
Buy 298.076 shares of Fund D [at] 22.35

To do this in Money, I'd enter the following transactions in the Investment
Account:
Sell 223.034 shares of Fund B [at] 19.00, transfer to Investment Cash Account
Sell 216.047 shares of Fund C [at] 15.50, transfer to Investment Cash Account
Buy 88.036 shares of Fund A [at] 10.50, transfer from Investment Cash Account
Buy 298.076 shares of Fund D [at] 22.35, transfer from Investment Cash Account

Excel comes in VERY HANDY for this kind of stuff if you do not get full data
from the plan administrator. I can supply the Excel sheet for this example
if it will help.

"Cindy Conover" <cconover[at]kwfffftrucklease.com> wrote in message
news:eLVqmk5RGHA.2220[at]TK2MSFTNGP10.phx.gbl...
- quote -

Dick & Chris

The investment transfers are from when I rebalanced my 401k investments.

Cash Side
1/12/06
Inv Acct - Principal Bank Retirement
Inv - Principal Life 2050
Quantity - 9.480617
Price - 14.236415
Total - 134.97
Payee - Investment Transfer
Transfer Acct - Principal Bank R (Contributions)
Investment Side
1/12/06
Inv - Principal Life 2050
Activity - Buy
Quantity - 9.480617
Price - 14.236415
Total - 134.97
Transfer from - Principal Bank R (Contributions)

"Cindy Conover" <cconover[at]kwfffftrucklease.com> wrote in message
news:OEfRkEuRGHA.4608[at]tk2msftngp13.phx.gbl...
- quote -

Are those transactions in the cash side? Or in the investment side? If in
the cash side and you double-click it to edit, will it let you? Or does it
tell you to go to the investments?

Can't say as I don't understand what those are. Now that we've solved the
first pair, let's work on these. What are they? What are they transferring
investment from? Are they also Buy transactions?

"Cindy Conover" <cconover[at]kwfffftrucklease.com> wrote in message
news:OEfRkEuRGHA.4608[at]tk2msftngp13.phx.gbl...
- quote -

Dick,
i am sorry it took so long for me to explain want I was trying to say. Would
I change the transactions that have a Payee as "Investment transfer" to a
reinvest dividend also?

Thanks
Cindy

Ok. Now we can unambiguously get somewhere.

Based on the data you provide, I believe these are both halves of **one**
Buy transaction.

The problem this is creating for you is that the Buy transaction spends
money out of the contributions account that isn't there--nothing ever put it
there--in the first place. This will cause your "Principal Bank R
(Contributions)" balance to go negative.

My recommendation: Edit the transaction in the "Principal Bank Retirement"
account. Change its activity using the pulldown from "Buy" to "Reinvest
Dividend". After you enter this, you will find that the transaction in
"Principal Bank R (Contributions)" has disappeared. All else should be good.

I hope this helps!

"Cindy Conover" <cconover[at]kwfffftrucklease.com> wrote in message
news:uFSdcQtRGHA.4900[at]TK2MSFTNGP09.phx.gbl...
- quote -

Chris,

See the reply I just sent.

No my quarterly statement does not list individual transactions.

Cindy

Dick,
I hope this helps.

Cash side
1/27/06
Inv Acct - Principal Bank Retirement
Inv - Vanguard
Payee - Earnings Allocated
Transfer Account - Principal Bank R (Contributions)
Quantity - 0.002238
Price - $80.40
Total - $0.18
Investment Side
1/27/06
Inv - Vanguard
Activity - Buy
Quantity - 0.002238
Price - $80.42
Total - $0.18

cindy

"Cindy Conover" <cconover[at]kwfffftrucklease.com> wrote in message
news:uzMDc6IRGHA.5248[at]TK2MSFTNGP09.phx.gbl...
- quote -

Your descriptions are too ambiguous to understand what's being downloaded,
and what's on your investment statement.

Please describe, exactly and individually, what gets downloaded. Without
that information I don't think we can help you further.

Am I correct in understanding there is no correlation between the downloaded
transactions, and your quarterly statement?

--
Chris Cowles
Gainesville, FL

I think it would be clearer for all if you could list exactly what
transactions, by account, you already have via download. Try something like:

(
In "My 401k (contributions)":

date: 3/1/2006, payee: "CITISTATE", payment: $0.29, category: Buy
Investment/CD, inv acct: "My 401k", investment: "SSGA Stable Value Fund",
qty: 0.010, price: $29.00, total amount paid: $0.29, memo: "EARNINGS
ALLOCATED", payee: "CITISTATE", transfer account: "My 401k (contributions)"

In ""My 401k":
date: 3/1/2006, payment: $0.29, investment: "SSGA Stable Value Fund",
activity: "Buy", qty: 0.010, price: $29.00, total amount paid: $0.29, memo:
"EARNINGS ALLOCATED", transfer account: "My 401k (contributions)"
)

My impression has been that you really only have one transaction that is a
Buy in the Investment Account with a Transfer of the cash from the
Investment Cash Account. (This one transaction, of course, shows up in both
the Investment Account and the Investment Cash Account since it has this
Transfer component. But it's still only one transaction.)

Given my understanding is correct, your cash account is going negative
because your investment Buy is drawing down cash that never got put there in
the first place.

Given that my understanding is correct, changing this transaction from a Buy
with a Transfer from the Investment Cash Account to a Reinvest Dividend
(which has no Transfer Account since having one is meaningless for a
Reinvestment) solves the whole problem.

"Cindy Conover" <cconover[at]kwfffftrucklease.com> wrote in message
news:%23A168OJRGHA.5808[at]TK2MSFTNGP12.phx.gbl...
- quote -

Chris,

If I change the dividends from buy to "reinvest dividend, how would I change
the earnings allocated and Investment Transfers.

TIA
Cindy

In microsoft.public.money, Cindy Conover wrote:

- quote -

That is ambiguous.

In microsoft.public.money, Cindy Conover wrote:

- quote -

I would add a catch-up deposit to the cash account. Then I would
enter the contributions as they occur thereafter. If those do not
download, enter them by hand.

My quarterly statement only shows total of each investments.

cindy

Chris,
Ok let me get this straight.
I have a buy of 0.29 of xyz transferred out of cash.

So I should created a "duplicate" to this transaction
0.29 dividend (categorized as investment income) of xyz transferred to
cash.

TIA
Cindy

I have earning allocated, dividends, etc as a buy transfered out of cash
but no deposit to go along with it.

In microsoft.public.money, Cindy Conover wrote:

- quote -

Let me see if I understand.

You downloaded two transactions:

A Buy of xyz for $.29
A cash deposit of $.29

The result of just those two transactions should have been neutral;
your cash account balance would be the same as before the download.
Right?