I received a windfall or large lump sum. How should I approach investing it in PortfolioPilot?
PortfolioPilot can help you model how to deploy a windfall.
Step 1 — Add the cash to your net worth.
Open Net Worth → "Add an asset" → Securities and add the cash as a Securities account (not a Cash account). Recording it under Securities means you can place it in an Asset Group later — useful if you want to handle the windfall's allocation separately from the rest of your portfolio.
Step 2 — Build a deployment plan.
Two paths, depending on how much guidance you want:
- Top recommendations — open Top recommendations to see the highest-impact trades for your current portfolio with the new cash added in. Apply the ones you like into a draft portfolio to review the combined impact.
- AI Assistant — ask something like "I have $200,000 to invest — create a draft portfolio that adds it across my existing holdings." The AI builds the draft directly so you can review it.
Step 3 — Compare the scenarios.
Use Analysis & comparison to put your current portfolio (with the uninvested cash) next to the draft (with the lump sum deployed). You'll see the impact on expected return, risk, Portfolio Score, and exposures.
Step 4 — See the new modeled financial future.
The Retirement planner updates automatically as soon as the new cash and any draft changes land in your portfolio. Open it to see how the windfall changes your retirement success probability, projected net worth, and any what-if scenarios you've already saved. To compare deployment strategies side-by-side ("invest all at once" vs "spread over 12 months"), save each version as a what-if scenario.
