https://bugs.kde.org/show_bug.cgi?id=456472
--- Comment #6 from Zoltan Puskas <zol...@sinustrom.info> --- (In reply to Jack from comment #4) > I still wonder why you would add the interest at buy time instead of at sell > time. If you sell before maturity, I assume you wont get the full interest. > (Even if you always keep the bonds until maturity, KMM should also support > any reasonable use case.) > It would certainly be possible to allow interest income on a purchase, but > it still makes more sense to me to do either as a separate interest/dividend > transaction or as part of the sell transaction. This was the only way I was able to assign earned interest into a category. Using the interest field at sell/redemption time does not work in this case. Example of current KMyMoney workflow: - Buy zero coupon bond on date T for $998 price/share, which is it's discount price, but in reality it has has a face value of $1000. - Wait till maturity at T+10, at which point it gets redeemed for $1000 price/share (out of which $2 is my interest). In this case KMyMoney will treat the bond like it would a stock and the earnings are considered as capital gains (which I can only obtain via "reports" tab). If I add a value into the "Interest" field (say the same $2) then the total amount of the transaction will become $1002, which is incorrect. There is no way for me to signify the amount of interest in this case. Keeping the price/share at $998 is also not correct as it gets redeemed at $1000. So the reason for me to enter the interest at purchase time was because this way I could reconcile the transaction in earlier versions of KMymoney, like so: - Buy zero coupon bond on date T for $1000 price/share, which is the face value. However also add an interest of $2, which lowered the amount of the final transaction to $998, making it representing the correct discounted price hitting the brokerage account at the time of the purchase. - Wait till maturity at T+10, at which point it gets redeemed for $1000 price/share, no additional field needed to be set. If I had to sell the investment before maturity, I would typically add a "Fee" category which would reduce due to premature redemption (though I think "Interest" field value with a negative value would also work for this). I hope this clarifies what I'm trying to achieve. The reason I kept doing it like this because interest and capital gains have different tax implications and using the interest category made it easy to track this. For what it's worth, I'm open to any solutions that allows me to treat income from bonds and stocks differently, however so far I've not found anything better. -- You are receiving this mail because: You are watching all bug changes.
