retirement-syncing

Original：🇺🇸 English

Translated

Sync retirement account data from Vanguard and Fidelity CSV exports to Google Sheets DataHub. Handles multiple accounts, aggregates holdings by ticker, and updates quantities in retirement section (rows 46-62). Triggers on sync retirement, update retirement, vanguard sync, 401k update, IRA sync, or working with notebooks/retirement-accounts/ files.

1installs

Sourceaojdevstudio/finance-guru

Added on2026-02-10

NPX Install

npx skill4agent add aojdevstudio/finance-guru retirement-syncing

SKILL.md Content

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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)

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 (Portfolio_Positions_*.csv)

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

python

# 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:

python

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

javascript

// 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

javascript

// 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"

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