Dear MoneyReadyApp users,

We've added several new features for both beginners and advanced users.

Portfolios:
For those of you who don't want to describe individual INVESTMENTS in your ACCOUNTS, you can now add a single one that we call "Portfolio" to reflect the properties of your portfolio of investments.
This is important to do for non-registered accounts so that their tax treatment is correct in the TIME MACHINE.
A “Portfolio” investment will be created automatically for you when you add an account, if you specify the asset allocation of the portfolio.
You can also add "Portfolio" investments yourself, they are in the drop-down menu of choices when you "Add Investment”.
The advantage for all account types, is that the investment is not restricted to an all-cash allocation, as it was if you left all of the funds in the "Cash" investment.

Set all expected rates of return at once:
We also added a feature where you can set your rates of return automatically for all of your investments in all accounts at once.
The button is found below your list of accounts. You set the rate of expected return for Cash, Equities and Fixed-Income, and all of your investments' rates of return will be modified based on their asset allocation.
You can also now set rates of return on a per-account basis. If you have more than 2 investments (besides cash) entered, a button will appear below the account's list of investments.
For those of you with many investments, this makes it very easy to run scenarios with different rates of return in the TIME MACHINE.

Market crashes:
If you want to stress-test your scenario, we added a simple simulation in RATES/YIELDS/CURRENCIES.
You are asked the date of a future crash, the % loss in equities expected, and how many years it will take to recover.
You can also ask for the cycle of crash/recovery to repeat up to 3 more times.
Rates in the future will automatically be added so that you can run that scenario in the TIME MACHINE.

You'll find more details in the Help pages and the updated eBook, and of course if you have any questions, comments or suggestions, please do not hesitate to contact me, I'm happy to help.

Elisabeth Tillier, Ph.D