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Announcements / BLOG POST - My Four Goals
« on: September 01, 2020, 09:14:28 AM »
Jonathan Clements | Editor of

I’m probably a year or two away from regularly tapping my portfolio for income. That prospect—coupled with this year’s market turmoil—has led me to tinker with my investment mix and ponder how I’ll generate cash once I’m retired. One surprising result: I have more in stocks today than I’ve had at any time in the past three years, and I’m thinking of increasing my allocation even further.


Transactions / Re: Unable to download transactions from Vanguard
« on: August 05, 2020, 12:05:37 PM »
If this download was working previously, but is no longer, check to see if anything has changed with your account login/authentication.  No issues on our end in testing..

if you have add'l questions, please contact our support team:


Frequently Asked Questions / Re: Automatic deposits
« on: July 21, 2020, 10:06:04 AM »
There is no means to set up / schedule automatic deposits to a brokerage cash account. However, if you download the activity each month from your broker, the deposit can be posted that way with all other monthly activity.

If you have any add'l questions, please contact our technical support team at


With summer now under way, gardening hobbyists are busily weeding, watering and tending to their plants in hope of a bountiful crop.

All gardeners know that the better the care, the better the harvest. And, just as a gardener equally will tend to all the ‘rows’ in their vegetable or flower gardens, an investor must equally manage all the investment portfolios they own, including their taxable and non-taxable accounts.

read more:

Investment Account Manager v3 Individual - Maintenance Releases 3.2.1 Now Available

Use the choice 'Check For Updates' located on the IAMv3 Individual Version Menu Bar to automatically verify you are currently running the latest version of Investment Account Manager v3 Individual. You will be notified as to whether or not you have the current version. If not, you will be prompted to download the latest file.

Note: if this choice is inactive in your copy of Investment Account Manager, this indicates your support period has expired. To extend technical support for an additional year, renew thru our website Shop page:

If you have any questions, contact our technical support team:

Click here for a listing of improvements/changes/corrections included in IAMv3.2.1:

Transactions / Re: Unable to download transactions from Vanguard
« on: July 01, 2020, 08:19:58 AM »
We've released the v3.2.1 update to Investment Account Manager 3 Individual. This update includes several important changes, corrections and new features. Also included are modifications to IAM3 Individual that have resolved the issues due to changes made by Vanguard access to once again allow for transactional downloads.  To download this latest update, please follow these steps:

• open your copy of Investment Account Manager v3 Individual.
• select the 'Check For Updates' choice located on the menu bar. This choice will verify that you are using the latest version of IAM3 Individual.
• if not, you'll be prompted to download the latest maintenance release.
• note: If the choice to ‘Check for Updates’ is inactive in your copy of Investment Account Manager v3 Individual, this indicates your technical support period has expired.
• if your support has expired, you can extend technical support for an additional year, by clicking here  When ordering your support renewal, you will need to enter your IAMv3 user ID number as shown on the IAMv3 Help Menu | Product Support Screen.

Transactions / Re: Unable to download transactions from Vanguard
« on: June 29, 2020, 11:01:21 AM »
    Hi Mark,

    Vanguard has changed its authentication methods.  We are working on a solution. For the time being:

    Open the Vanguard web page.
    From My Accounts, choose Transaction History.
    At the top right of the page, choose download.

Download Options are:
1.       Account Type: Choose Quicken
2.       Choose Data Range
3.       Choose an Account (Choose one at a time)
4.       Download and save the file

Import the file into Investment Account Manager under IAM's Transaction Menu
| Import OFX.  If you have add'l questions, please email our tech support team directly:



Announcements / Blog Post - Putting Performance Into Perspective
« on: June 02, 2020, 02:22:43 PM »
The year 2019 was a great run for the S&P 500 Index. Its 12-month total return of 31.49% was more 3x higher than its 50-year average annualized return of 10.60%. All good, right?

read more:

Support / Re: Inaccurate IRRs
« on: June 02, 2020, 02:18:34 PM »
Looks as if you are misunderstanding...  if you receive dividends, these are positive cash flows that contribute to the IRR calculation.  If you reinvest these dividends, then in addition to the income component on IRR, so too will be the change in value of the reinvestment.  The formula used for IRR is below, an it is accurate and correct.  We also further geometrically link IRR for sub period returns and closer GIPS compliance.  Please contact our tech support team directly if you have add'l questions:

Internal Rate of Return (Modified IRR Method)

The internal rate of return calculates return for the period taking into effect the exact timing of each cash flow. The model properly weights the timing of cash flows (additions/ withdrawals) for a portfolio or an individual asset, for a selected date range, to provide the return calculation. Internal rate of return can be equated to the compounded effective interest rate that a savings account would have had to earn in order to reach the portfolios' current present value including all investment flows (purchases, sales, income, interest, reinvestment, etc.), while adjusted for timing of the specific flows.

Key variables in the model include: Beginning Market Value, Ending Market Value, Income, Reinvestments, Sum of all Cash Flows within the period (additions/withdrawals), and Weight Factor (# of total days in the period that the cash flow "F" has been in, or out of, the portfolio). The return derived here can then be stored to be used in 'linking' returns.

The calculation is:

MVE = Summate Fi(1+R)^Wi

(^ denotes raised to the power of)


MVE = the market value at the end of the period (includes any interest or dividends earned but not withdrawn, i.e. reinvestments, etc.).

MVB = the market value at the beginning of the period, (includes any interest or dividends earned but not withdrawn, i.e. reinvestments, etc.).

Summate F = the sum of the cash flows within the period (contributions to the portfolio are positive flows, and withdrawals or distributions are negative flows). The market value at the start of the period is also treated as a cash flow at the beginning of the period, i.e. MVB = F0.

R = the internal rate of return.

Wi = is the proportion of the total number of days in the period that the cash flow Fi has been in (or out of) the portfolio. The formula for Wi is:

   Wi = [CD-Di] / [CD] (this is the weighting component)


CD = the total number of days in the period.

Di = the number of days since the beginning of the period in which cashflow Fi occurred.
IRR is derived by selecting values for R and solving the equation until the result equals MVE. For example, if there were a total of three cash flows for the period (including the beginning market value treated as F0) - there will be three terms in the computational formula:

MVE = F0(1+R)^W0 + F1(1+R)^W1 + F2(1+R)^W2 .

The first term deals with the first cash flow, F0, which is the value of the portfolio at the beginning of the period (MVB). Wi is the proportion of the period that the cash flow Fi was in (or out) of the portfolio. Because F0 is in for the whole period, W0 = 1. The larger the value of Fi in the term, the more it will contribute to the total. But the smaller the exponent (i.e., the value of Wi), the less the term will contribute to the sum. This usually means that the first term, with a large F0 and W0 = 1, will contribute far more than the other terms.

Source: Global Investment Performance Standards Second Edition (2006),  Charlottesville, VA 22903, pg 87-88.

What’s the key to making good investment choices? It isn’t necessary to understand the inner workings of the securities markets or the mathematical economies underlying investment theory.  Instead, 10 axioms of effective investing provide the critical cornerstone for guiding investment philosophy and making decisions. This will ensure that you meet the universal goal of creating financial wealth for retirement.

read more:

Reporting / Re: net of fees performance reporting
« on: April 30, 2020, 05:58:58 AM »
Both IAM Individual and IAM Professional will include in the performance calculations any expenses/fees occurring within the time period, as well as all other investment flows.

If any add'l questions, please contact our technical support team:

Announcements / Blog Post - Dollar Cost Averaging
« on: April 01, 2020, 08:30:24 AM »
As evident with the recent volatility in the stock market, investing inherently involves some risk – that’s just the way life works. Our job as investors is to figure out ways in which to minimize this risk.  One common method that investors use to minimize risk is dollar cost averaging (DCA).  Dollar Cost Averaging offers a strategy for investors to gradually increase their stock market exposure for potential long-term upside results, while taking into account the whipsaw nature of current market conditions.

Transactions / Re: IRA transactions
« on: March 31, 2020, 01:02:33 PM »
Linda, you still can use the sale function to record this activity, with the MMF offset.  You just will not report that to the IRS for capital gains for your IRA.  If any add'l questions, please let us know. You can reach our support team directly using this email:


General Discussion / Re: Mkt Price Taxable Bonds
« on: March 22, 2020, 08:44:38 AM »
Bob, under the asset library menu | current asset library | select the bond, then the edit tab, to update the market price.  If you have add'l questions, please let us know, you can email us directly at:


Announcements / Blog Post - Concentrated Investment Positions
« on: March 03, 2020, 09:31:36 AM »
With the recent runup of stock market levels over the past several years, many investors might find one or more of their investment holdings have appreciated considerably in value, now representing a disproportionate percentage by market value. With this in mind, it is important for investors to pay attention to these concentrated investment position(s), an important investment concept that often is over-looked for proper portfolio management....

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