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Question: How can I show investment returns on a diversified portfolio with components of current income, appreciation, and capital gains? Answer: Let's illustrate this with an example. Suppose that there is $10,000 invested, and you expect 1% interest income, 2% dividend income, 0.5% capital gains income, and 4% appreciation. Here are the steps to take: 1. Divide the investment into three assets, one asset for each category of current income. In this case, we will make the asset values $3,000, $3,000 and $4,000 (roughly equal, adding up to the $10,000 total). 2. Enter those three assets in the software. 3. For each asset, specify and appreciation of the overall appreciation rate you expect. In this case, that would be 4%. 4. Calculate the dollar amount of income you expect from the current income investments. In this case, that would be $100 of interest income, $200 of dividend income and $50 of capital gain income. 5. Enter that dollar amount for each asset, and specify the appropriate tax category. a. Dividend Investment, Value: $4,000. Net Cash Flow: $200. Tax Category: Dividend. b. Capital Gain Investment. Value: $3,000. Net Cash Flow: $50. Tax Category: Capital Gain. c. Interest Investment. Value $3,000. Net Cash Flow: $100. Tax Category: Interest. All of these investments would have an appreciation rate of 4.0%. You will then have the following results: 1. The entire investment will appreciate at 4%, as desired. In short, you will have modeled the investment situation you wish. 