How do you enter an asset that earns 0% nominal interest
My mother is retired and is going to move to a retirement community. The retirement community has a buy-in fee ($267k). 90% of the buy-in fee ($240k) is available to be spent at a later date (she can start to spend it in the retirement community when her other assets are depleted; any remaining balance going to her estate when she passes or comes back to her if she moves out of the retirement community). The buy-in fee rebate does not earn any interest. Here is how I modeled this: I entered the $240k buy-in rebate as her only retirement account and set the retirement account nominal interest assumption to 0%. I entered her retirement accounts (IRAs only) and her other assets as regular assets earning 3% nominal interest. Is there a better approach to enter the $240lk buy-in rebate?