Account Balance

The Account Balance chart shows the total balance in each Account at any given month throughout the Scenario.

Account Balance Chart Examples

Variable Rates of Return Observed in Account Balance Chart

When the user decides to use variable rates of return the Account Balance can often appear more “jagged” than “smooth”.

Example of Account Balance with Variable Rates of Return

Account Balances in Nominal or Real Dollars

A dollar today isn’t the same as a dollar 10 years ago or a dollar 10 years from now. That’s why it is super helpful to be able to see Account Balance charts in both nominal (not adjusted for inflation) and real (adjusted for inflation) dollars.

Here’s are examples of nominal and real versions from Andrea in Ep 3: Andrea Invests in Stocks Instead of Nomading™.

Example of Account Balance with Variable Rates of Return - Not Inflation Adjusted — Example of Account Balance with Variable Rates of Return – Not Inflation Adjusted

Example of Account Balance with Variable Rates of Return and Inflation Adjusted

How to Find These Charts

The Account Balance charts are available for any Scenario in the Chart section.

It is also shown in the Summary of a Scenario and in Blueprints™.

Total Account Balances

If you’d like to see the total of all Account Balances you can do this in one of two ways.

First, you can turn on “stacking” as an option and see the individual Accounts stacked, graphically on top of each other like this:

Account Balances - Stacking Example — Account Balances – Stacking Example

You cannot chart more than one Scenarios Account Balances on the same Chart. However, you can compare the total of all Account Balances to the total of all Account Balances of one Scenario to another. That’s this second option…

You can choose a completely different Chart: the Total Account Balances chart for the the entire Scenario.

With this second option, you can choose to compare more than one Scenario and see how the Total Account Balances of one compares to the Total Account Balances of another Scenario.

Default Cash Account

As we’ve mentioned before, the cash Account always starts at zero, earns no return, and is the only Account that can go negative. When the cash Account has a negative value it means the Scenario is not sustainable without an influx of cash from outside of the Scenario.