Lifetime Planner IDEA: Set Rate of Return by Account Using 3/5 Year Account Return

JasonPerrone

When setting your assumptions and specifying your anticipated rates of return, I don't like how it only allows you to enter those rates as "taxable accounts" and "non-taxable accounts" before and after retirement. It should allow you to set the rate of return per each of your accounts separately. And since Quicken already knows that number for each of your investment accounts, it should default to the current 3 or 5 year return, whichever you choose. Of course, you can still override it. The way it is now, you have to average the APR across your IRA's and 401ks. I get it, most people don't have multiple, but a lot of us do, thanks to career changes.

Scooterlam

@JasonPerrone,  Adding some color to your idea, below.  This has been mentioned below, in past years,  but I cannot find an old idea post.   Also, edited the title for clarity and will add this idea to the LTP Bug and Idea list.

Curious, Have you tested this approach using Quicken's current investment return data on your accounts? Can you share?  Are there improvements needed to investment data?

JasonPerrone

Hi Scooterlam. I'm not 100% sure what you're asking, but basically what I do now is I use either the Investment -> Performance tab OR an Investment Report I created that shows the annual rate of return. In either case, I look at the 5 year rate. With the investment report I can at least span multiple account and get a rate for them all combined. That does help a lot. But the fact is that Quicken already knows the 5 year return rate for each of my investment accounts so I shouldn't even need to enter it in the planner.