Add Manually Editable Roth Market Value Field to 401(k) Accounts

mikek753b

Quicken Classic for Windows should provide an optional, manually editable Roth Market Value field for each 401(k) account that contains both traditional pre-tax and Roth assets. Many retirement plan providers, including Fidelity, maintain separate Roth and traditional balances within a single 401(k) account but do not transmit this breakdown through Quicken's download interface. Users should be able to manually enter the current Roth market value, including investment gains and losses, with an effective date. Quicken should use this information to distinguish Roth assets from the remaining account balance in consolidated investment reports, asset allocation by tax treatment, and retirement planning calculations. This enhancement should work independently of financial institution downloads, preserve historical values, and leave existing investment transactions, account balances, and reconciliation unaffected. A single manually maintained Roth Market Value field would provide a simple, practical solution without requiring artificial accounts or changes to financial institution integrations.

mikek753b

Yes, I am requesting the current market value of Roth assets, including all investment gains and losses, not just the Roth contribution basis.

Fidelity already provides source-level balances for my 401(k). I want to manually enter the Roth market value into Quicken as of a specific date.

For example, if my Fidelity 401(k) has a total market value of $1,000,000, consisting of $400,000 Roth and $600,000 traditional pre-tax assets, Quicken should be able to report those values separately without creating artificial accounts or moving securities.

My minimum request is:

1. One manually editable Roth Market Value field per 401(k) account.
2. Dated history of changes.
3. Automatic calculation of the remaining non-Roth account value.
4. Correct aggregation of Roth and tax-deferred balances in Quicken reports.
5. No interference with Fidelity downloads or account reconciliation.

The advantage over checking Fidelity directly is that Quicken should provide consolidated financial reporting across all our accounts, including both spouses' 401(k)s, Roth IRAs, and traditional retirement accounts.

I understand that full Fidelity source-level downloading may require additional integration work. But manual Roth value tracking does not depend on Fidelity changing its data feed.

That is the minimum enhancement I am asking Quicken to implement.