Finance

In a previous post, I shared why I chose Beancount to track financial data. I have been an user for some time. I have not found importers for Japan financial institutions so I wrote my own.

Here is a table listing some of Vanguard mutual funds and their Vanguard ETF equivalents.

By labeling financial transactions with categories in Beancount, the tool automatically calculates the subtotals of each category, from which fava generates useful visualizations.

Transactions in a JA Bank account are available for download as a CSV file. Then Pandas reads it for processing.

If conversion scripts are used to translate bank statements into Beancount transactions, there will be two entries for one money transfers; one at the sending account and second at receiving account.

Here are examples of common personal finance transactions recorded in Beancount.

The Vanguard mutual funds in my Vanguard 100 asset allocation may not be available for non-US investors. Here is an equivalent asset allocation consisted of exchange-traded funds (ETF’s).

In mid 2000’s, I replaced the constituent funds in side the IFA 100 asset allocation with Vanguard index funds. At that time, Vanguard did not have an international small-cap index fund. Instead, I chose the Vanguard Developed Market Index Fund, which is an international large-cap style.

An asset allocation is the percentage for each asset in a portfolio. Suppose a portfolio is investing for retirement, then as an investor’s age nears the retirement age, the percentages should be adjusted. This change over time is called the glide path of an asset allocation.

Portfolio Performance is a beautiful, open-source tool to visualize an investment portfolio.