[GNC] Investments - I want to play too! (figuring out money into holding account, purchase bond or stock index fund out of holding fund)

[Bruce Griffis]

So, I retired last year. I did a rollover IRA, moving money from a 401K 
into an individual IRA account. Investments are extremely simple. Just 
index stock funds and bond fund.

I don't need to track my old 401K. However, I do want to track the money 
going in to my holding funds, then that money going out into an indexed 
stock fund. At Fidelity, the holding fund is a short term government 
bond fund called SPAXX. It currently pays about 4.9% and reinvests. I 
have money invested pre-tax into one account and post-tax money popped 
into a second account. So I'd like to figure out my small post-tax account.

Under Assets / Investments / Brokerage Accounts / Mutual Funds I have 
SPAXX. Definition is FIDELITY GOVERNMENT MONEY MARKET. Symbol is SPAXX. 
Online Quotes is working and I can get quotes. It is defined as account 
type Mutual Fund.

While I was figuring it out, I rolled over a small amount before 
retirement in four separate transactions. Since I have this defined as a 
Mutual Fund, my first transaction looks like:

TRANSFERRED FROM DIRECT ROLLOVER FROM xxxxx PLAN yyyy as of Aug-30-2023 
(Cash)

2815.17 shares

1.00 price

Buy 2815.17


I did four separate small rollovers to get my after-tax account funded 
before retiring. With that SPAXX, I bought in to one index bond fund 
(FXNAX), one total US indexed stock fund (FZROX) and one International 
index fund (FZILX). But I have no idea how to indicate this in GnuCash. 
What I did do was set up FXNAX under Bonds and FZROX, FZILX under Market 
Index.  The Bond Fund has account type Mutual Fund, as does FZROX and FZILX.

One area I am going very wrong is in recording my sale of SPAXX to 
purchase FZROX or FZILX or FXNAX. Under FXNAX I have a transaction YOU 
BOUGHT PROSPECTUS UNDER SEPARATE COVER FIDELITY U.S. BOND INDEX FUND 
(FXNAX) (Cash) of 396.432 shares at 10.09 price for a toal of $4,000. 
Under transfer, I am transferring out of SPAXX. However, when I go back 
and look at my SPAXX account, I do not see it go down by $4k. So I have 
to be doing something wrong as I don't show that money coming out of SPAXX.

Can someone step me through buying a stock index fund using money in a 
money market type of fund? Volume for me is very low. I just funded a 
pre-tax account and a post-tax account, went for a US Bond market index 
fund, an International fund, a US fund, have dividend reinvestments and 
maybe re-balance once or twice a year.