English improvements: account / transfer / withdrawal

Author: georgemac-labs

config/en/mkdocs.yml

@@ -190,7 +190,7 @@ nav:
           - Delivery (Inbound-Outbound): reference/transaction/delivery.md
           - Transfer: reference/transaction/transfer.md
           - Dividend: reference/transaction/dividend.md
-          - Deposit & removal (withdrawal): reference/transaction/deposit-removal.md
+          - Deposit & withdrawal: reference/transaction/deposit-withdrawal.md
           - Interest & Interest charge: reference/transaction/interest.md
           - Fees & taxes: reference/transaction/fees-taxes.md
       - Online Menu: reference/online.md

docs/en/assets/Performance_Chart_(benchmark)_Entire_portfolio.csv

@@ -1,4 +1,4 @@
-Date;Value;Inbound Transferals;Outbound Transferals;Delta in %;Cumulated Performance in %
+Date;Value;Deposits;Withdrawals;Delta in %;Cumulated Performance in %
 2022-06-12;272.25;0.00;0.00;0.00;0.00
 2022-06-13;267.18;0.00;0.00;-1.86;-1.86
 2022-06-14;267.27;0.00;0.00;0.03;-1.83

docs/en/concepts/index.md

@@ -11,7 +11,7 @@ In this chapter, you will find a concise but clear explanation of several basic
 
 - [System overview](system-overview/index.md): Provides a bird's-eye view of how Portfolio Performance operates. It discusses all components and their interactions, with a focus on the main goal: calculating the portfolio's performance. An [example](system-overview/system-overview-example.md) is also provided.
 
-- [Transaction](../reference/transaction/index.md): A financial transaction is an agreement between a buyer and seller to exchange goods, services, or assets for payment. In case of PP, the exchange is about securities. There are security transactions such as buy, sell delivery (inbound), and delivery (outbound); deposit transactions such as deposit, removal, interest, interest charge, fees, fees refund, taxes, tax refund; and dividend transactions.
+- [Transaction](../reference/transaction/index.md): A financial transaction is an agreement between a buyer and seller to exchange goods, services, or assets for payment. In case of PP, the exchange is about securities. There are security transactions such as buy, sell delivery (inbound), and delivery (outbound); deposit transactions such as deposit, withdrawal, interest, interest charge, fees, fees refund, taxes, tax refund; and dividend transactions.
 
 - [Reporting period](reporting-period.md): The (reporting) period is the time slice that is taken into account for reporting (calculations, graphs, statistics). It's very important that you realize that for every performance calculation a reporting period is taken into account, even if you haven't set one explicitly.
 

docs/en/concepts/performance/time-weighted.md

@@ -50,7 +50,7 @@ where MVE = the market value of the asset at the end of the holding period, MVB
 
 ## TTWROR at portfolio level
 
-The relevant cash flows for the performance calculation at portfolio level are: `Deposit`, `Withdrawal (removal)`, `Delivery In`, and `Delivery Out`. Refer to the [Defining Cash flows section](money-weighted.md#defining-the-cashflows), and in particular [Figure 3](./images/transaction-cashflows.svg) from the chapter about Money-Weighted Rate of Return for detailed information. Please note that the dividend or sale of `share-1` does not affect *portfolio* performance, as the proceeds remain within the portfolio in a deposit account. Figure 1 displays the necessary info for calculating the TTWROR of `demo-portfolio-03`.
+The relevant cash flows for the performance calculation at portfolio level are: `Deposit`, `Withdrawal`, `Delivery In`, and `Delivery Out`. Refer to the [Defining Cash flows section](money-weighted.md#defining-the-cashflows), and in particular [Figure 3](./images/transaction-cashflows.svg) from the chapter about Money-Weighted Rate of Return for detailed information. Please note that the dividend or sale of `share-1` does not affect *portfolio* performance, as the proceeds remain within the portfolio in a deposit account. Figure 1 displays the necessary info for calculating the TTWROR of `demo-portfolio-03`.
 
 Figure: Overview of transactions - Deposit (3x), Buy (3x), Dividend, and partial Sell and charts of share-1 and share-2.{class=pp-figure}
 

docs/en/concepts/system-overview/index.md

@@ -40,9 +40,9 @@ Figure: Overview of all transaction types with associated cash flows at portfoli
 
 ![](../images/system-overview-cashflows.svg)
 
-As can be seen, **only four types of transactions** generate a cash flow at the portfolio level: deposit, removal (withdrawal), inbound delivery, and outbound delivery. These transactions will thus influence the performance indicator on the dashboard (View > Reports > Performance); which is a portfolio performance indicator. 
+As can be seen, **only four types of transactions** generate a cash flow at the portfolio level: deposit, withdrawal, inbound delivery, and outbound delivery. These transactions will thus influence the performance indicator on the dashboard (View > Reports > Performance); which is a portfolio performance indicator.
 
-A [*deposit*](../../reference/transaction/deposit-removal.md) transaction generates two cash inflows: one at the portfolio level and one at the deposit account level. This transaction results in an inflow because money is brought into the deposit account, and as such also into the portfolio. On the other hand, a [*withdrawal*](../../reference/transaction/deposit-removal.md) creates two cash outflows and removes money from a cash account and the portfolio.
+A [*deposit*](../../reference/transaction/deposit-withdrawal.md) transaction generates two cash inflows: one at the portfolio level and one at the deposit account level. This transaction results in an inflow because money is brought into the deposit account, and as such also into the portfolio. On the other hand, a [*withdrawal*](../../reference/transaction/deposit-withdrawal.md) creates two cash outflows and removes money from a cash account and the portfolio.
 
 An [*inbound delivery*](../../reference/transaction/delivery.md) adds shares to a security; thus increasing the capital of the security (shares x historical price) **and** the security account. Conversely, an [*outbound delivery*](../../reference/transaction/delivery.md) decreases the capital by removing shares from the security, resulting in a cash outflow.
 

docs/en/getting-started/measure-performance.md

@@ -11,7 +11,7 @@ To follow along with the text and Figure 1, download the [demo-portfolio-03 file
 
 - **Initial value** This is the market value of the portfolio at the beginning of the reporting period (MVB), e.g. 177.94 EUR. On that day, your portfolio held 10 `share-1` shares valued at 17.79 EUR per share, totaling 177.94 EUR (look here for an [overview of all transactions](../concepts/performance/images/info-irr-example-transactions.png) in the demo portfolio). Please note, that the historical price of the stock on that day is taken, not the original buying price.
 - **Final value** This is the market value of the portfolio at the end of the reporting period; e.g. 426.82 EUR. To verify the final value, navigate to `sidebar > Reports > Performance > Calculation` and click on the `Assets at End` heading tab. The deposit account shows 125 EUR from deposit, buy, dividend, and sell transactions. `share-1` is valued at 190.06 EUR (10 remaining shares x 19.06), and `share-2` at 111.76 (8 shares x 13.97). In total, this sums to 426.62 EUR, representing the `Final (market) value` of your portfolio on June 12, 2023. 
-- **Performance neutral Transfers** These are the deposits or withdrawals (removals) that do not affect the performance of the portfolio. For example,  the deposit of 84 EUR (additional `share-1`), and 67 EUR (`share-2`) are neutralized by buying both securities. Note that the original deposit and purchase of `share-1` (155 EUR) is not included because it fell outside the reporting period.
+- **Performance neutral Transfers** These are the deposits or withdrawals that do not affect the performance of the portfolio. For example,  the deposit of 84 EUR (additional `share-1`), and 67 EUR (`share-2`) are neutralized by buying both securities. Note that the original deposit and purchase of `share-1` (155 EUR) is not included because it fell outside the reporting period.
 - **Capital Gains** represent the increase (or decrease) of the value of your stock between begin and end of the reporting period. Determining the buying value of `share-1` is somewhat complex due to the additional buy and sale. Portfolio Performance follows the FIFO (First-In-First-out) principle. From the remaining 10 shares, 5 will come from the first purchase and 5 from the second purchase. The historical quote at the first purchase date was 17.794 EUR/share and at the second purchase data 15.962 given an average price of (17.794 + 15.962)/2 = 16.878 EUR. The final market value is 19.006 EUR given a capital gain of 10 x (19.006-16.878) = 21.28 EUR. The value of `share-2` has increased from 8 EUR (on 2022-09-30) to 13.97 (on 2023-06-12) or a capital gain of 8 x 5.97 = 47.76 EUR. Added together, this gives a total Capital Gain of 69.04 EUR.
 - **Realized Capital Gains** result from selling stock. On `2023-04-12`, you sold 5 `share-1` shares at 22.40 EUR per share. Given the FIFO principle, the buying price was 17.794 EUR per share, producing a Realized Capital Gain of 5 x (22.40 - 17.794) = 23.03 EUR.
 - **Earnings** are caused by dividend payments (15 x 2 = 30 EUR), while **Fees** and **Taxes** encompass all fees and taxes incurred in the reporting period. Keep in mind that fees and taxes were also paid for the purchase of `share-1`, outside the reporting period.

docs/en/how-to/import-gbx.md

@@ -6,7 +6,7 @@ title: How to use the CSV Import functions for GBX priced securities?
 The following *how-to* is based on a discussion *[Getting started: Cash vs Deposit/Reference accounts](https://forum.portfolio-performance.info/t/getting-started-cash-vs-deposit-reference-accounts/27365/20)* in the English language forum.
 
 ## Introduction
-Portfolio Performance (Portfolio Performance from now on) supports importing of different currencies when importing transactions and movements on cash/deposit accounts. Before reading this guide, you should refer to the main guide on importing which covers things which we will not duplicate here.
+Portfolio Performance (Portfolio Performance from now on) supports importing of different currencies when importing transactions and movements on cash accounts/deposit accounts. Before reading this guide, you should refer to the main guide on importing which covers things which we will not duplicate here.
 
 This guide is mainly about the peculiar situations which can arise from the UK market habit of pricing some securities (in particular funds) in pence (GBX in Portfolio Performance language) rather than pounds (GBP). This causes complications because our accounts (Securities accounts where we hold the actual securities and Cash accounts used to show money deposited for purchases and obtained from sales of securities) will be in GBP. GBP and GBX are different currencies in the eyes of Portfolio Performance (and many other portfolio tools). So there is actually a conversion which is treated as a currency exchange by Portfolio Performance that needs to happen -- it's a special case.
 
@@ -130,7 +130,7 @@ Date -- the transaction date. Here we have formatted in the Portfolio Performanc
 
 Securities Account -- this helps avoid errors from overlooking the selection of the correct Securities Account in the Import Wizard. It is essential if you want to import transactions into more than one account in the same import, otherwise it is optional.
 
-Cash Account -- this is included for the same reasons as Securities Account.
+Account -- this is included for the same reasons as Securities Account.
 
 Type -- the type of transaction. Essential.
 
@@ -204,14 +204,14 @@ Figure: Figure 8 - Example dividend import data. {class=pp-figure}
 
 Date, Type, Value, Gross Amount, and Exchange Rate are mandatory. One of Ticker Symbol, Security Name, ISIN or WKN is required to identify which security is involved.
 
-Cash Account is normally optional if all dividends will be applied to the same account (which is specified in the Import Wizard). Here however we are being specific about the Cash Account in order to allow dividends for more than one account to be imported together.
+Account is normally optional if all dividends will be applied to the same cash account (which is specified in the Import Wizard). Here however we are being specific about the Account in order to allow dividends for more than one cash account to be imported together.
 
 Note is optional.
 
 -  The Gross amount, Currency Gross Amount and Exchange Rate can be omitted for the first row (GBP to GBP)
 - The Exchange Rate for the GBX dividend will always be 0.01.
 - The Exchange Rate for the USD dividend paid into a USD cash account is always 1.
--  The Exchange Rate for the USD dividend being paid into a GBP account is the rate which allows conversion between the Gross Amount and the Value (see main Import guide).
+-  The Exchange Rate for the USD dividend being paid into a GBP cash account is the rate which allows conversion between the Gross Amount and the Value (see main Import guide).
 
 A rarer type of dividend occurs when the security is priced in GBP, but dividends are received in USD. HMEF.L is an example of such a fund. There does not appear to be a way to handle this situation through import currently.