Retirement Account Syncing

Purpose

Safely import Vanguard and Fidelity retirement account CSV exports into the Google Sheets DataHub retirement section, updating only quantities (Column B).

When to Use

Use this skill when:

• Syncing retirement account positions from notebooks/retirement-accounts/
• User mentions: "sync retirement", "update retirement", "vanguard sync", "401k update", "IRA sync"
• Working with files in notebooks/retirement-accounts/ directory

Source Files

Location: notebooks/retirement-accounts/

File	Source	Contents
OfxDownload.csv	Vanguard IRAs	Account 39321600 & 35407271 holdings
OfxDownload (1).csv	Vanguard Brokerage	Account 53527429 & 50580939 holdings
Portfolio_Positions_*.csv	Fidelity 401(k)	{employer_name} 401(k) Plan holdings

CSV Formats

Vanguard OFX Format (OfxDownload.csv)

Account Number,Investment Name,Symbol,Shares,Share Price,Total Value,
39321600,VANGUARD S&P 500 INDEX ETF,VOO,18.1817,629.3,11441.74,

Key Fields:

• Column 3: Symbol
• Column 4: Shares (quantity)

Fidelity 401k Format (PortfolioPositions*.csv)

Account Number,Account Name,Symbol,Description,Quantity,Last Price,...
86689,{employer_name} 401(K) PLAN,FGCKX,FID GROWTH CO K,4.447,$50.04,...

Key Fields:

• Column 3: Symbol
• Column 5: Quantity

DataHub Target Location

Spreadsheet ID: Read from fin-guru/data/user-profile.yaml

Retirement Section: Rows 46-62 (after the "RETIREMENT ACCOUNTS (VANGUARD)" header at row 45)

Row	Ticker	Description
46	VOO	Vanguard S&P 500 ETF
47	VUG	Vanguard Growth ETF
48	VTSAX	Vanguard Total Stock Market
49	SCHG	Schwab US Large-Cap Growth
50	PLTR	Palantir
51	NVDA	NVIDIA
52	TSLA	Tesla
53	VB	Vanguard Small-Cap ETF
54	ARKK	ARK Innovation
55	VMFXX	Vanguard Money Market
56	FGCKX	Fidelity Growth Company K
57	FXAIX	Fidelity 500 Index
58-62	Reserved	Future holdings

Core Workflow

1. Read All CSV Files

# Read Vanguard files
vanguard_1 = read_csv("notebooks/retirement-accounts/OfxDownload.csv")
vanguard_2 = read_csv("notebooks/retirement-accounts/OfxDownload (1).csv")

# Read latest Fidelity file (by date in filename)
fidelity = read_csv("notebooks/retirement-accounts/Portfolio_Positions_*.csv")

2. Aggregate Holdings by Ticker

Since the same ticker can appear in multiple accounts, SUM all quantities:

holdings = {}
for file in [vanguard_1, vanguard_2, fidelity]:
    for row in file:
        ticker = row['Symbol']
        shares = float(row['Shares'] or row['Quantity'])
        holdings[ticker] = holdings.get(ticker, 0) + shares

Expected Aggregations:

• VOO: Sum across accounts (IRA + Brokerage)
• VUG: Sum across accounts
• PLTR: Sum across accounts (53527429 + 50580939)
• SCHG: Sum across accounts
• VMFXX: Sum across accounts (all money market)
• VTSAX: Sum across accounts

3. Update DataHub Column B Only

WRITABLE: Column B (Quantity) only

DO NOT TOUCH:

• Column A (Ticker) - already set
• Column C onwards - formulas

// Update VOO quantity (Row 46)
mcp__gdrive__sheets(operation: "updateCells", params: {
    spreadsheetId: SPREADSHEET_ID,
    range: "DataHub!B46:B46",
    values: [["214.7947"]]  // Aggregated quantity
})

4. Update Pattern

Loop through each retirement ticker and update Column B:

Ticker	Range	Aggregation
VOO	B46	18.1817 + 196.613 = 214.7947
VUG	B47	10.9488 + 2.1164 = 13.0652
VTSAX	B48	126.336 + 102.126 = 228.462
SCHG	B49	100 + 6 = 106
PLTR	B50	25 + 42 = 67
NVDA	B51	150
TSLA	B52	58
VB	B53	20
ARKK	B54	16.13
VMFXX	B55	2.94 + 0.57 + 179.92 + 428.42 = 611.85
FGCKX	B56	4.447
FXAIX	B57	3.705

Safety Checks

Before updating:

• Verify all 3 CSV files exist in notebooks/retirement-accounts/
• Confirm row mapping matches expected tickers
• Log any new tickers not in current sheet

Large Change Warning (>20%):

• If any quantity changes more than 20%, show diff and ask for confirmation

Example Execution

// Step 1: Read CSVs and aggregate
const holdings = aggregateFromCSVs();

// Step 2: Update each ticker's quantity
const updates = [
    { range: "DataHub!B46:B46", values: [[holdings.VOO.toFixed(4)]] },
    { range: "DataHub!B47:B47", values: [[holdings.VUG.toFixed(4)]] },
    { range: "DataHub!B48:B48", values: [[holdings.VTSAX.toFixed(3)]] },
    // ... etc
];

for (const update of updates) {
    mcp__gdrive__sheets(operation: "updateCells", params: {
        spreadsheetId: SPREADSHEET_ID,
        ...update
    });
}

// Step 3: Log summary
console.log("Updated 12 retirement positions");

Post-Update Validation

Verify:

• [ ] All quantities updated correctly
• [ ] Formulas in columns C+ still working
• [ ] Total retirement value approximately matches sum of CSV totals
• [ ] No formula errors introduced

Log Summary:

Updated 12 retirement positions:
- VOO: 214.7947 shares
- VUG: 13.0652 shares
- VTSAX: 228.462 shares
...
Total Retirement Value: ~$387,806

Critical Rules

WRITABLE Column

• Column B: Quantity ONLY

DO NOT TOUCH

• Column A: Tickers (pre-set)
• Columns C-S: All formulas

Row Mapping

Retirement section starts at row 46 (after header at row 45). Rows 46-62 are reserved for retirement holdings.

Trigger Keywords

• "sync retirement"
• "update retirement"
• "retirement accounts"
• "vanguard sync"
• "401k update"
• "IRA sync"
• "retirement quantities"

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Skill Type: Domain (workflow guidance) Enforcement: SUGGEST Priority: Medium Line Count: < 200