Our Upside Investing report is based on two simple assumptions:

  1. You invest in just two assets: stocks and safe assets. 
  2. You spend nothing out of your stock holdings until they have been converted to safe assets.

When setting up the Upside Investing report, therefore, you need to enter the percentage of stocks held in each of your family's regular asset accounts. 

Typically, checking and savings accounts would not have any stock holdings, so you can leave these at 0%, but brokerage accounts and other investment accounts will most likely have some percentage of holdings in stocks. Reserve funds are not included in discretionary spending, and thus you do not enter a risky assets percentage for these accounts.