tag:infinitekind.tenderapp.com,2009-01-14:/discussions/investments/7291-vanguard-case-deposit-fund-settlement-fundInfinite Kind: Discussion 2023-03-05T20:40:18Ztag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-03T22:07:56Z2022-12-03T22:07:56ZVanguard Case Deposit fund (Settlement fund)<div><p>I don't completely understand the question, but some pointers:</p>
<p>You can use txn type XFR to put cash interest into the investment account... Put your interest category in the Transfer field.</p>
<p>OR, if you want the interest "linked" to a security's performance, then use MiscInc against the security to record the interest in the Category.</p>
<p>To delete the VG Cash Deposit security, you must remove all txns that refer to it. Use Toolbox extension, Security Tools, Can I delete Security to identify these.. Once they have all gone, then you can remove the security and then delete the security.</p></div>Stuart Beesley (Mr Toolbox)tag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T01:50:59Z2022-12-04T01:51:00ZVanguard Case Deposit fund (Settlement fund)<div><p>Stuart,<br>
Thank you for replying.<br>
I'll try to clarify (please ask for more info if it helps).</p>
<ol>
<li>Vanguard Settlement funds hold cash that is not being held in a security<br>
(aka a stock or mutual fund). The original Vanguard Settlement fund I had was actually a mutual fund with a ticker of VMFXX.</li>
</ol>
<p>I went through the process (at Vanguard) of converting that Settlement fund<br>
to a Vanguard Cash Deposit that is not a mutual fund or security. It<br>
generates monthly interest that is reinvested into the Vanguard Cash<br>
Deposit. I'm thinking of it like a bank account because it's FDIC insured.</p>
<p>After using Moneydance > Online > Download All Accounts the transactions<br>
are listed as follows:<br>
Date Action Description Security Cat<br>
11/30 Sell MONEY FUND REDEMPTION VMFXX >>> this appears<br>
correct<br>
11/30 Div DIVIDEND PAYMENT VMFXX >>> this appears<br>
correct<br>
11/30 Misc/Inc INTEREST PAYMENT Vanguard Cash Deposit $<br>
xx.xx<br>
>>> this to the 'security' i may of wrongly created 11/30 Xfr <strong><em>blank</em></strong> <strong><em>blank</em></strong> $<br>
- xx.xx >>> this is Transfers to: a personal bank account but not the Vanguard Cash Deposit. >>> If I change this to the Van Cash Deposit the Balance is no longer $ 0.00<br>
11/30 Buy MONEY FUND PURCHASE Vanguard Cash Deposit >>> this<br>
appears correct.</p>
<p>If I do nothing, the total in the Vanguard Cash Deposit is short the amount<br>
from 11/30 Xfr, however the amount in a different bank account now has that<br>
interest payment shown deposited. Confused? I am.</p>
<p>Question: In Moneydance would such a Vanguard Cash Deposit fund be<br>
considered a security? Or is there another method to handle the fund and<br>
still have it shown in the Moneydance > Investments > Vanguard Brokerage<br>
account?</p>
<ol>
<li>Trying to delete the Security I created in error.<br>
From Moneydance > Extensions > Toolbox > Security Tools > Can I delete a<br>
security?<br>
After deleting anything that was downloaded via Moneydance > Online ><br>
Download All Accounts that referenced the newly create security (anything<br>
on 11/30) I get the following result:</li>
</ol>
<p>"You want me to look for Security: Vanguard Cash Deposit Searching through 39 security (sub) accounts..</p>
<blockquote>
<blockquote>
<p>Security: Vanguard Cash Deposit is used in Account: Vanguard Brokerage - Share holding balance: 0.0</p>
</blockquote>
</blockquote>
<p>Checking security for price history...:</p>
<blockquote>
<blockquote>
<h2><a name="security-has-no-historical-prices-" class="anchor" href="#security-has-no-historical-prices-"></a>Security has no historical prices.</h2>
</blockquote>
</blockquote>
<p>USAGE FOUND: You are using security: Vanguard Cash Deposit in 1 accounts!<br>
... with a share balance of: 0.0. These would need to be removed before security deletion</p>
<p>Sorry - usage of Security: Vanguard Cash Deposit found - refer to script<br>
output for details..</p>
<p>"</p>
<p>I can find no reference to the "Vanguard Cash Deposit" in any account. How<br>
should I track this one down? It's not in the Portfolio View, Register, or<br>
Bank Register. If it existed it would be dated 11/30/2022.</p>
<p>Again, thanks for any and all help. I may be in over my head on this one.<br>
If I continue to have difficulty straightening this out, could the<br>
discussion be moved to a private discussion (an how would I do that?).</p></div>TimberWolftag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T02:23:01Z2022-12-04T02:23:01ZVanguard Case Deposit fund (Settlement fund)<div><p>Looking at the following transaction:</p>
<p>11/30 Misc/Inc INTEREST PAYMENT Vanguard Cash Deposit $xx.xx</p>
<p>I suspect it would work better if Vanguard Cash deposit is defined as a security.</p>
<p>XFR without a category I believe should transfer the funds to the first account in the Bank list.</p></div>dwgtag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T02:43:43Z2022-12-04T02:43:44ZVanguard Case Deposit fund (Settlement fund)<div><p>dwg,<br>
I have defined the Vanguard Cash Deposit fund as a security, just not<br>
certain that works the way it should in my case.</p>
<p>The XFR ($ -xx.xx) is defaulting to the first bank account as you point<br>
out, however I don't want that...<br>
I want it to be 'reinvested' or "buy" or deposited back into the Vanguard<br>
Cash Deposit. But since the amount is a negative $ -xx.xx, any attempt to<br>
alter this line results in a non-zero $xx.xx balance in the Register and<br>
the Vanguard Cash Deposit is further from what the online account reports.</p>
<p>I must be missing something that is obvious to others (or everyone else).</p>
<p>Help!</p></div>TimberWolftag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T03:22:27Z2022-12-04T03:22:27ZVanguard Case Deposit fund (Settlement fund)<div><p>Software can only deal with data as it is presented. For a buy a transaction the download would either need to be a DivReinv or a Div/MiscInc followed by a Buy.</p>
<p>You cannot deposit money into a security, cash is always held at the level of the Investment account, and it is 'free' cash not cash associated with any security. Investment accounts do not understand about cash investments as such. This is why it is necessary to set them up as Securities then use buy/sell transactions to maintain the "balance" usually at a price per share of $1.</p>
<p>Funds have various ways of trying to show things in their downloads, some can be quite creative, a negative transaction implies the removal of money and does imply a movement to an account outside of the investment but to do this and end up in the right account would need an entry for the category in the transaction that matches the account name the funds are to go to.</p>
<p>Many users report about having to edit entries downloaded from investment houses.</p></div>dwgtag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T08:15:58Z2022-12-04T08:15:58ZVanguard Case Deposit fund (Settlement fund)<div><p>To make private, go to this thread online and tick the private box:</p>
<p><a href="https://infinitekind.tenderapp.com/discussions/investments/7291-vanguard-case-deposit-fund-settlement-fund">https://infinitekind.tenderapp.com/discussions/investments/7291-van...</a></p></div>Stuart Beesley (Mr Toolbox)tag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T08:17:35Z2022-12-04T08:17:35ZVanguard Case Deposit fund (Settlement fund)<div><p>To delete the cash security, go to the ‘ Vanguard<br>
Brokerage’ investment account, and then the details tab, then top right, click actions, remove security. Select the cash security.</p></div>Stuart Beesley (Mr Toolbox)tag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T08:19:11Z2022-12-04T08:19:11ZVanguard Case Deposit fund (Settlement fund)<div><p>I suspect if you delete the Xfr txn then<br>
A) the cash will be left in your investment account<br>
B) your cash balance will now be correct</p>
<p>Try it?</p></div>Stuart Beesley (Mr Toolbox)tag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T08:28:25Z2022-12-04T08:28:25ZVanguard Case Deposit fund (Settlement fund)<div><p>I think VG creates a fake transfer to hold the cash in a security sub account, but MD can’t do this, so you will need to delete the Xfr and hold the cash as free cash in the investment account.</p></div>Stuart Beesley (Mr Toolbox)tag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T16:24:26Z2022-12-04T16:24:27ZVanguard Case Deposit fund (Settlement fund)<div><p>Tried that. It cannot be removed even when I delete the entries that refer<br>
to it.</p></div>TimberWolftag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T16:25:50Z2022-12-04T16:25:51ZVanguard Case Deposit fund (Settlement fund)<div><p>If I delete the Xfr transaction, the balance in the vanguard brokerage is<br>
non-zero and not displayed as in the portfolio view.</p></div>TimberWolftag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T17:26:45Z2022-12-04T17:26:45ZVanguard Case Deposit fund (Settlement fund)<div><p>The questionable <strong><em>blank</em></strong> transaction is listed on Vanguard's website<br>
list as "Reinvestment" $ -xx.xx, however when it's downloaded by Moneydance<br>
the action is listed as "Xfr".</p>
<p>I'm not quite certain how to rectify this.</p>
<p>The way I see it, there are two registry entries involved with this problem:<br>
1. 11/30 MiscInc Interest Payment to "Van Cash" $ xx.xx<br>
2. 11/30 Xfr <strong><em>blank</em></strong> to "Bank acc1" $ -xx.xx</p>
<p>Vanguard's website lists these transactions as:<br>
1. 11/30 "Interest" (vs MiscInc) $ xx.xx<br>
2. 11/30 "Reinvestment" (vs Xfr) $ -xx.xx</p>
<p>Note:<br>
If I delete the "Xfr" entry, the next "moneydance > online > download"<br>
brings it back so that's not really an answer.<br>
And the Register Balance is no longer $0.00.<br>
And the Current Value of Cash Deposit is still short of the "interest".</p>
<p>Correcting the Xfr....<br>
1. Could I make a bank account entry to 'return' the "Xfr" amount back to<br>
"Van Cash"? So far, I've failed with my tests. If it's possible, how would I do this?<br>
2. Is there a better way to fix this?</p>
<p>Any suggestions would be appreciated<br>
Thanks for your help..</p></div>TimberWolftag:infinitekind.tenderapp.com,2009-01-14:Comment/570199522022-12-04T20:30:50Z2022-12-04T20:30:52ZVanguard Case Deposit fund (Settlement fund)<div><p>MAY have stumbled on a Manual Correction that results in a zero Register<br>
Balance and a correct VG Cash value in the Portfolio:</p>
<p>See if the following makes any sense:<br>
Note: These are alterations to the Registry entry: "Xfr <strong><em>blank</em></strong> $ -xx.xx</p>
<p>Change Action: from "Xfr" to "Buy"<br>
Add Description: "Vanguard Cash Deposit Interest"<br>
2nd line: "Manual Correction xfr <> buy" Change Security Category: "Vanguard Cash Deposit"<br>
Change Share Price: $ xx.xx (positive value)<br>
Amount Fee: $ xx.xx (positive value) # shares: 1</p>
<p>Results:<br>
1. No xfr to Moneydance Bank account.<br>
2. Register Balance is $ 0.00<br>
3. Security "Vanguard Cash Deposit" is now correct in the portfolio.<br>
4. Subsequent Moneydance Vanguard Account Downloads do not add or alter<br>
existing Registry entries.</p>
<p>I'm hoping this is a proper way to manually correct the Register entry...<br>
that is unless someone sees a potential problem.<br>
So far, it seems to be working.</p>
<p>Thanks for everyone's assistance.</p></div>TimberWolf