How do I set a different investment return for a future year?

Open RATES/YIELDS and CURRENCIES and search for the investment or account name. Its applicable yields appear separately, such as capital appreciation, interest and dividends.

Choose Edit for the rate you want to change. Enter the new rate and change its start date to the future date when it should take effect. Saving with a new date adds a dated rate; the earlier assumption applies until then. Repeat for other return components if needed.

For example, to change a holding’s interest yield from 4% to 3% starting in a later year, add a 3% interest rate beginning on that date. This changes its projection assumption, not the value you have entered for the holding today.

Dated rates take precedence over the holding’s default rate in an ordinary TIME MACHINE run. Enabled long-term rates or a market-simulation/crash run can override them. Target-date funds have their future yields modelled through their changing allocation rather than editable dated yields here.