Assets & Loans

Assets & Loans

Introduction

The next two sections of Cashflow & Capital are Assets & Loans.


Here you can view, create, modify and remove your clients Assets & Loans.

Any information that has been added within the Fact Find section of AOS will populate here if you have chosen this when beginning your scenario. You can navigate to the Settings page of C&C to select Update from Fact Find.

Assets

In the assets menu you can view assets that your clients currently hold that have been added within Fact Find, or you can manually add assets as required.

These assets can be held by Client 1, Client 2 or Joint.

When navigating on this page, the first step is to click on the specific asset that you would like to review. Clicking between these assets will show you the information specific to that asset.

In the example below, you can see that we have clicked on the Shares with a value of $20,000. On the right you can see a graph of their projected value over this time, and below is a table with a breakdown of relevant information including start of year value, end of year value and information on what has caused this change (ie growth, income, transactions, fees). It will also show you unrealised capital gains, and income dividends where relevant (which will appear within the cashflow section of outputs).




If an asset doesn't appear here, you can either:
  1. Click on the + Add button to manually add the asset to the C&C modelling (note that doing this will not update the clients Fact Find)
  2. Return to Fact Find and add it under the client's assets to ensure that Fact Find & Modelling are identical
Below is the list of assets you can add within C&C. 


While you can add multiple Cash/Term Deposit assets, all C&C modelling has a default Cash Account that cannot be removed and is held by the client or joint (if modelling client and partner). Any transactions that move into or out of the cash account will appear within this asset and have a direct impact on its balance.


Editing an Asset

To make changes to an existing asset, the two most important buttons are the Pencil (edit) and Transactions buttons as displayed in the below image. While you can update the balance and growth/income rates on this screen, majority of functionality to edit an asset is via one of these two buttons.



Reminder - if you do not see any changes take effect after editing your asset or adding transactions, make sure to navigate to the top right corner and press Save and Refresh

Pencil icon

Similar to income and expenses, the Pencil (edit) pop up will appear differently dependent on the type of asset that you click on. For example, while the default Cash Account or Residential Property are quite straightforward with only a few fields, assets such as Managed Funds or Investment Properties have more fields available.





The edit field allows you update information of your asset such as:
  1. Asset type, name, owner and initial starting value
  2. The expected income and growth return of your asset and whether franking credits are applicable. This is generally defaulted to the asset type and assumptions found in Settings > Risk Profiles > Details however you can also choose to set the asset to a specific risk profile, portfolio or to override the returns and use any value of income & growth return you choose.
 


  1. whether a savings plan exists and how much
  2. non-deductible or deductible fees per year
  3. whether dividends are reinvested or go to cashflow
  4. to include CGT calculations, the initial CGT value and cost base for CGT
All of the above can be modified to best capture the information relevant to your client.

Transactions

The transaction field allows you to add any transactions that may be relevant to the modelling for your client. 

It allows you to:
  1. Add transactions in/out of any asset, either to the default Cash Account or from the clients cashflow (ie no impact on the cash account). These are considered either a Buy or Sale of the asset.
  2. Override Income or Growth rates for a particular period of time
  3. Add depreciation (non-tax deductions)
Buying/Selling an Asset
The steps to buying or selling an asset are as follows:
  1. Select the asset you wish to buy or sell
  2. Click on the transactions button
  3. Here you have the choice between Savings Plan or Transactions:
    1. Savings Plan allows you to add specific amounts to the asset balance. These can only be positive amounts (ie must be a purchase) and the funding for these transactions come from the clients cashflow, meaning it will have no impact on the default Cash Account. These can be added within the Value ($) field which will then populate every year, or can be added annually or monthly.
    2. In the screenshot below, you can see the managed fund has an annual savings plan of $12,000. If you were to click show months you can see that this equals $1,000 per month.

    1. Transactions can be both negative (sale) or positive (buy). They can also be a % or $ value, for example if you wish to sell the full balance you can select -100%. The funds from the transaction field will have a direct impact on the default Cash Account. This means that a $10,000 transaction into the asset will reduce the default Cash Account by $10,000.
    2. In the screenshot below you can see a negative transaction of -$50,000. This has reduced the overall balance of the managed fund by $50,000 for the 22/23 financial year. If this figure was added to the annual value it would evenly distribute $-4,167 per month, however in this example we have selected show months and chosen to have a one off tranaction in January 2023.





  1. As you can also see, if we navigate to the default Cash Account you can see that for the 22/23 financial year the balance has increased by $50,000. The sale of funds from the Managed Fund have now appeared in the cash account.

  1. The above example has shown a sale (using a negative figure) however a positive figure would achieve the opposite. The asset would increase in value while the default Cash Account would reduce in value as a transaction has come out of the cash account to buy the asset.
Note that Savings Plan is suitable for transactions that you do not want to influence the default cash account (coming from cashflow instead) while Transactions is suitable for when you want evidence within the cash account. Negative transactions (ie sell) must show evidence of funds entering the cash account. You can perform another negative transaction within the default cash account if you do not wish the client to retain this money in the modelling.


Override Income or Growth
This functionality allows you to increase or reduce the income or growth of an asset for a 12 month period.

These will have a direct impact on the Income and Growth within the outputs for C&C. In the example below, the 2024/25 FY saw an increase in $10,000 growth and the 2025/26 saw additional income of $5,000. You can see both of these amounts in the table below.


This is suitable for either one off changes or a period of different growth/income returns. If you wish to modify the assumed income/growth of an asset for the entire life of the asset this should be done using the Pencil (edit) icon as per instructions above.

Add depreciation
Here you can include depreciation of an asset for any specific financial year, which will have a direct impact on the tax projections. You can navigate to the Tax section of Outputs to see the impact this has on the modelling.

In the below example you can see a depreciation of $7,000 on the clients tax.


Loans

The Loan menu layout is identical to the Asset menu layout. In the loan section you can view any loans that your clients have that have come through from Fact Find.

Similar to Assets, you can add or remove Loans either directly within C&C or by navigating back to Fact Find.

If you add a Loan within C&C this will not update Fact Find. If you want Fact Find and C&C to align your best option is to return to FF and update the Loans here, then select Update from Fact Find for your scenario.

There are a number of loans you can create and model. Note that you can only have one Home Loan.


Similar to assets, ensure you have selected the Loan you wish to review first. In the screenshot below, we are currently looking at the Home Loan.


You can see on this screen the following information
  1. The list of loans that you can navigate between
  2. A summary of the main information regarding the currently selected loan
  3. The projections in the form of a graph of paying down this loan given the current settings
  4. A table with relevant information on the selected loan including; interest, fees, whether it's part of a gearing strategy, repayments and start/end of year balances

Editing a Loan

To make changes to an existing loan, the two most important buttons are the Pencil (edit) icon and Transactions button as displayed in the image below. 

You can also make changes to each individual loan from the main page just below the list of loans. This has limited options but allows for quick changes; further changes can be made using the Pencil icon.



Pencil icon

The pencil icon will allow you to modify all relevant information to the specific loan you have selected.

It includes options such as:
  1. The type, name, owner and loan balance
  2. The variable rate of the loan and whether there is a fixed period and rate
  3. The repayments, and whether these are principal and/or interest
  4. Whether the loan is deductible, has an offset attached, limit and terms
  5. Any fees that may be included in the loan



Transactions

The transaction field allows you to add any transactions that may be relevant to your Loan accounts.

There are two types of transactions available, the Repayment and Transactions fields.


Repayment
The repayment field is used to reduce the balance of the loan, generally used for one off repayments that a client may make.
Only positive amounts can be added here. 
This field will have no impact on the clients cashflow, it is assumed that transactions here have been taken from your clients cashflow.

This can be added in one of three ways
  1. Using the repayment fields in the centre of the page, selecting the start and end dates. This should generally be used for regular increased payments over a period of time
  2. Adding an annual amount in the specific financial year. This will evenly distribute the annual value into 12 amounts per month (ie $12,000 annually will equal $1,000 per month)
  3. You can select Show months and choose to make a repayment for a particular month of a financial year



Transactions
The transaction field can be used to both increase or decrease the loan balance using either a positive (decrease loan balance) or negative (increase loan balance) figure.

Any transactions within the transaction field will have a direct impact on your default Cash Account. 
A negative transaction within the loan indicates the client has borrowed additional funds; these funds will be available in the Cash Account which can then be used as required.
A positive transaction within the loan indicates the client has paid down the loan using funds from the default Cash Account.

This can be input as either a $ or % figure. For example, a -$20,000 value for the 2024/25 financial year indicates the client has increased the loan amount by $20,000. 

Percentage based figures must be input in a specific month. This cannot be added within the annual value.




After selecting Show months you can see that the $20,000 transaction has spread across all 12 months because it has been added within the annual value. If you want this to be a single transaction you need to set the annual value back to $0 and then add the -20,000 figure within the specific month.

For percentage figures, this must be done on a particular month, here you can see that the full balance of the loan will be paid off in Nov 2027.


You can see the increase in the loan of $20,000 in 2024/25 (number 1 below) and then the full repayment in 2027/28 (number 2 below).




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