I don't think I understand enabled/disabled in the Roth Conversion analysis. Please explain further.
The enable button turns on Roth conversions (however specified by the active Roth parameters); the disable button turns them off (so no conversions are done regardless of the active Roth parameters).
The camera icon (near the upper right) saves the current results as "baseline" (this is true in general, not just within Roth conversions). If you click disable and then this icon, you're setting "baseline" to be the results with no conversions. If you then click enable, your "current" results will be with the conversions, so the "Current vs. Baseline" tab will compare with vs. without conversions.
You can also compare the results for two different sets of conversion parameters this way: with the enable button selected, set the first parameters, click on the camera icon (to save the results as baseline), and then change to a second set of active parameters. You can also use the "Optimize Roth Conversions" (under the Optimize tab) to set the active parameters. Note that the optimizer will only change the years and income brackets; it won't change (i.e., it will respect) other limits you have set.
You can save/restore a specific set of conversion parameters as "backup" (not the results, the parameters themselves) by using the Copy/Swap buttons under the Parameters tab. Running the optimizer automatically saves your current (pre-optimization) parameters as backup.
Getting back to the Growth Taxation question. You recommend putting Cash in the Asset Class names, but this is only for cash in checking acts, savings acts, etc. Then in Growth Taxation, any money market or cash equivalent inside a brokerage account gets proportioned under "Growth Taxed as Interest/Ordinary Income" similar to proportioning qualified dividends, LTCG, etc. Correct?
@santella Cash is automatically added as one of the Asset Class names, and cash in the Cash account is always taxed 100% as Interest/Ordinary Income. Separate from this, in Advanced Portfolio Modeling, you can specify how Cash (e.g., a money market fund) in the taxable account is taxed; I also set this to 100% Interest/Ordinary Income.
So you suggest adding another Asset Class named for example, "Brokerage Money Market", to indicate holdings in the brokerage account, set to taxed as 100% Interest/ordinary Income?
OK. I was getting confused. I now understand that "Cash" in "Cash Accounts" is a completely separate entity from "Cash" in the "Taxable Investment Accounts".
