Quicken Deluxe vs Premier (2011)

OK, Operation Modernisation proceeds apace. I now have all my file imported and sorted out as I'd expect it to be. The only thing is, the version of Quicken I had to use was Home & Business - not because I
need Business, just because that's what was available to me for testing.
So...
Looking at the comparison page <http://quicken.intuit.com/compare-quicken-personal-finance-software-products.jsp>, it -seems- as if all I need is the Quicken Deluxe version. Remember I'm in the UK, so don't care about stock quotes, downloading transactions, Bill Pay...actually I don't care about much other than just knowing what I spent on what, and what's happening over the next few months (it's why Essentials, which receives so much stick here,is actually more or less right for me. If it had had the calendar view I'd have bought it).
The one thing I note however is that it's Premier before it starts talking about planning retirement. Again, actively managing a 401 plan is a US thing - I just want the ability to mark several of my accounts as being for 'Retirement', which is what my current file has. Does Deluxe have that designation, or would I need Premier? Any problems with the data file itself when stepping down from Home & Business to Deluxe?
Cheers, Ian
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Deluxe allows you to identify investment accounts as retirement accounts. While the nomenclature is US tax law centric (IRA, 401K, etc), the net result should work as you wish.

Someone else could comment, but I seem to recall a posting that indicated the file formats are the same and only the program functionality changes, so there shouldn't be a problem.
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Robert Neville wrote:

And you don't have to choose a pre-defined U.S. retirement account type. You can use a regular Quicken "Brokerage" account, and set it up to be "tax deferred". That's the closest I believe you can get to a "retirement" account that is not U.S. specific.
But it seems to me that possibly none of Quicken for the U.S. choices may be ideal for a non-U.S. user.

There is no basic problem converting to a "lesser" version. None of the greater version's transactions should be lost. Though some of its Lists will be lost (such as the Invoice Item List).
But all the greater version's capabilities are lost; and all the greater version's designations are lost (so if you created an "Invoice" account in an H&B version, then downgraded; that Invoice account would become a plain "Asset" account ... with no split invoice transactions, so none of the invoice items that were part of the Invoice account (split) transactions would be retained.
Bottom line: I don't think you should have any more to worry about from temporarily using the H&B version, than you should have to worry about temporarily using any U.S. version.
If you have not used any of the features that are only available in the greater version; I believe you should not lose anything by downgrading to a lesser version.
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John Pollard
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If I go to my account and select 'edit', it allows e to choose the purpose of the account (checking, savings etc.). One of those options is 'retirement' and it just affects how it groups things on screen. That's pretty much all I'm looking for.

Excellent. Off to ebay we go then. Thanks for the help.
Cheers, Ian
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