feat: investment scenario UX improvements and interest calculations

- Refresh Recommendations now shows inline processing banner with
  animated progress bar while keeping existing results visible (dimmed).
  Auto-scrolls to AI section and shows titled notification on completion.
- Investment recommendations now auto-calculate purchase and maturity
  dates from a configurable start date (defaults to today) in the
  "Add to Plan" modal, so scenarios build projections immediately.
- Projection engine computes per-investment and total interest earned,
  ROI percentage, and total principal invested. Summary cards on the
  Investment Scenario detail page display these metrics prominently.
- Replaced dropdown action menu with inline Edit/Execute/Remove
  icon buttons matching the assessment scenarios pattern.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

backend/src/modules/board-planning/board-planning-projection.service.ts

@@ -49,6 +49,8 @@ export class BoardPlanningProjectionService {
     // ── 2. Build month-by-month projection ──
     let { opCash, resCash, opInv, resInv } = baseline.openingBalances;
     const datapoints: any[] = [];
+    let totalInterestEarned = 0;
+    const interestByInvestment: Record<string, number> = {};
 
     for (let i = 0; i < months; i++) {
       const year = startYear + Math.floor(i / 12);
@@ -65,6 +67,10 @@ export class BoardPlanningProjectionService {
 
       // Scenario investment deltas for this month
       const invDelta = this.computeInvestmentDelta(investments, year, month);
+      totalInterestEarned += invDelta.interestEarned;
+      for (const [invId, amt] of Object.entries(invDelta.interestByInvestment)) {
+        interestByInvestment[invId] = (interestByInvestment[invId] || 0) + amt;
+      }
 
       // Scenario assessment deltas for this month
       const asmtDelta = this.computeAssessmentDelta(assessments, baseline.assessmentGroups, year, month);
@@ -113,7 +119,7 @@ export class BoardPlanningProjectionService {
     }
 
     // ── 3. Summary metrics ──
-    const summary = this.computeSummary(datapoints, baseline, assessments);
+    const summary = this.computeSummary(datapoints, baseline, assessments, investments, totalInterestEarned, interestByInvestment);
 
     const result = { datapoints, summary };
 
@@ -363,6 +369,8 @@ export class BoardPlanningProjectionService {
     let resCashFlow = 0;
     let opInvChange = 0;
     let resInvChange = 0;
+    let interestEarned = 0;
+    const interestByInvestment: Record<string, number> = {};
 
     for (const inv of investments) {
       if (inv.executed_investment_id) continue; // skip already-executed investments
@@ -386,8 +394,11 @@ export class BoardPlanningProjectionService {
         if (md.getFullYear() === year && md.getMonth() + 1 === month) {
           const purchaseDate = inv.purchase_date ? new Date(inv.purchase_date) : new Date();
           const daysHeld = Math.max((md.getTime() - purchaseDate.getTime()) / 86400000, 1);
-          const interestEarned = principal * (rate / 100) * (daysHeld / 365);
-          const maturityTotal = principal + interestEarned;
+          const invInterest = principal * (rate / 100) * (daysHeld / 365);
+          const maturityTotal = principal + invInterest;
+
+          interestEarned += invInterest;
+          interestByInvestment[inv.id] = (interestByInvestment[inv.id] || 0) + invInterest;
 
           if (isOp) { opCashFlow += maturityTotal; opInvChange -= principal; }
           else { resCashFlow += maturityTotal; resInvChange -= principal; }
@@ -401,7 +412,7 @@ export class BoardPlanningProjectionService {
       }
     }
 
-    return { opCashFlow, resCashFlow, opInvChange, resInvChange };
+    return { opCashFlow, resCashFlow, opInvChange, resInvChange, interestEarned, interestByInvestment };
   }
 
   /** Compute assessment income delta for a given month from scenario assessment changes. */
@@ -471,7 +482,10 @@ export class BoardPlanningProjectionService {
     return { operating, reserve };
   }
 
-  private computeSummary(datapoints: any[], baseline: any, scenarioAssessments: any[]) {
+  private computeSummary(
+    datapoints: any[], baseline: any, scenarioAssessments: any[],
+    investments?: any[], totalInterestEarned = 0, interestByInvestment: Record<string, number> = {},
+  ) {
     if (!datapoints.length) return {};
 
     const last = datapoints[datapoints.length - 1];
@@ -496,13 +510,23 @@ export class BoardPlanningProjectionService {
       ? (last.reserve_cash + last.reserve_investments) / avgMonthlyReserveExpenditure
       : 0; // No planned projects = show 0 (N/A)
 
-    // Estimate total investment income from scenario investments
-    const totalInterestEarned = datapoints.reduce((sum, d, i) => {
-      if (i === 0) return 0;
-      const prev = datapoints[i - 1];
-      // Rough: increase in total that isn't from assessment/budget
-      return sum;
-    }, 0);
+    // Calculate total principal from scenario investments
+    let totalPrincipal = 0;
+    const investmentInterestDetails: Array<{ id: string; label: string; principal: number; interest: number }> = [];
+    if (investments) {
+      for (const inv of investments) {
+        if (inv.executed_investment_id) continue;
+        const principal = parseFloat(inv.principal) || 0;
+        totalPrincipal += principal;
+        const interest = interestByInvestment[inv.id] || 0;
+        investmentInterestDetails.push({
+          id: inv.id,
+          label: inv.label,
+          principal: round2(principal),
+          interest: round2(interest),
+        });
+      }
+    }
 
     return {
       end_liquidity: round2(endLiquidity),
@@ -513,6 +537,10 @@ export class BoardPlanningProjectionService {
       end_operating_investments: last.operating_investments,
       end_reserve_investments: last.reserve_investments,
       period_change: round2(endLiquidity - allLiquidity[0]),
+      total_interest_earned: round2(totalInterestEarned),
+      total_principal_invested: round2(totalPrincipal),
+      roi_percentage: totalPrincipal > 0 ? round2((totalInterestEarned / totalPrincipal) * 100) : 0,
+      investment_interest_details: investmentInterestDetails,
     };
   }
 }

backend/src/modules/board-planning/board-planning.service.ts

@@ -107,17 +107,30 @@ export class BoardPlanningService {
   async addInvestmentFromRecommendation(scenarioId: string, dto: any) {
     await this.getScenarioRow(scenarioId);
 
+    // Helper: compute maturity date from purchase date + term months
+    const computeMaturityDate = (purchaseDate: string | null, termMonths: number | null): string | null => {
+      if (!purchaseDate || !termMonths) return null;
+      const d = new Date(purchaseDate);
+      d.setMonth(d.getMonth() + termMonths);
+      return d.toISOString().split('T')[0];
+    };
+
+    const startDate = dto.startDate || null; // ISO date string e.g. "2026-03-16"
+
     // If the recommendation has components (e.g. CD ladder with multiple CDs), create one row per component
     const components = dto.components as any[] | undefined;
     if (components && Array.isArray(components) && components.length > 0) {
       const results: any[] = [];
       for (let i = 0; i < components.length; i++) {
         const comp = components[i];
+        const termMonths = comp.term_months || null;
+        const maturityDate = computeMaturityDate(startDate, termMonths);
         const rows = await this.tenant.query(
           `INSERT INTO scenario_investments
             (scenario_id, source_recommendation_id, label, investment_type, fund_type,
-             principal, interest_rate, term_months, institution, notes, sort_order)
-           VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9, $10, $11)
+             principal, interest_rate, term_months, institution, purchase_date, maturity_date,
+             notes, sort_order)
+           VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9, $10, $11, $12, $13)
            RETURNING *`,
           [
             scenarioId, dto.sourceRecommendationId || null,
@@ -125,7 +138,8 @@ export class BoardPlanningService {
             comp.investment_type || dto.investmentType || null,
             dto.fundType || 'reserve',
             comp.amount || 0, comp.rate || null,
-            comp.term_months || null, comp.bank_name || dto.bankName || null,
+            termMonths, comp.bank_name || dto.bankName || null,
+            startDate, maturityDate,
             dto.rationale || dto.notes || null,
             i,
           ],
@@ -137,18 +151,21 @@ export class BoardPlanningService {
     }
 
     // Single investment (no components)
+    const termMonths = dto.termMonths || null;
+    const maturityDate = computeMaturityDate(startDate, termMonths);
     const rows = await this.tenant.query(
       `INSERT INTO scenario_investments
         (scenario_id, source_recommendation_id, label, investment_type, fund_type,
-         principal, interest_rate, term_months, institution, notes)
-       VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9, $10)
+         principal, interest_rate, term_months, institution, purchase_date, maturity_date, notes)
+       VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9, $10, $11, $12)
        RETURNING *`,
       [
         scenarioId, dto.sourceRecommendationId || null,
         dto.title || dto.label || 'AI Recommendation',
         dto.investmentType || null, dto.fundType || 'reserve',
         dto.suggestedAmount || 0, dto.suggestedRate || null,
-        dto.termMonths || null, dto.bankName || null,
+        termMonths, dto.bankName || null,
+        startDate, maturityDate,
         dto.rationale || dto.notes || null,
       ],
     );

frontend/src/pages/board-planning/InvestmentScenarioDetailPage.tsx

@@ -1,12 +1,12 @@
 import { useState } from 'react';
 import {
   Title, Text, Stack, Group, Button, Table, Badge, Card, ActionIcon,
-  Loader, Center, Menu, Select, Modal, TextInput, Alert,
+  Loader, Center, Select, Modal, TextInput, Alert, SimpleGrid, Tooltip,
 } from '@mantine/core';
 import { DateInput } from '@mantine/dates';
 import {
-  IconPlus, IconArrowLeft, IconDots, IconTrash, IconEdit,
-  IconPlayerPlay, IconRefresh, IconAlertTriangle,
+  IconPlus, IconArrowLeft, IconTrash, IconEdit,
+  IconPlayerPlay, IconCoin, IconTrendingUp,
 } from '@tabler/icons-react';
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import { useParams, useNavigate } from 'react-router-dom';
@@ -17,6 +17,7 @@ import { ProjectionChart } from './components/ProjectionChart';
 import { InvestmentTimeline } from './components/InvestmentTimeline';
 
 const fmt = (v: number) => v.toLocaleString('en-US', { style: 'currency', currency: 'USD', maximumFractionDigits: 0 });
+const fmtDec = (v: number) => v.toLocaleString('en-US', { style: 'currency', currency: 'USD', minimumFractionDigits: 2, maximumFractionDigits: 2 });
 
 const statusColors: Record<string, string> = {
   draft: 'gray', active: 'blue', approved: 'green', archived: 'red',
@@ -39,7 +40,7 @@ export function InvestmentScenarioDetailPage() {
     },
   });
 
-  const { data: projection, isLoading: projLoading, refetch: refetchProjection } = useQuery({
+  const { data: projection, isLoading: projLoading } = useQuery({
     queryKey: ['board-planning-projection', id],
     queryFn: async () => {
       const { data } = await api.get(`/board-planning/scenarios/${id}/projection`);
@@ -99,18 +100,19 @@ export function InvestmentScenarioDetailPage() {
     },
   });
 
-  const refreshProjection = useMutation({
-    mutationFn: () => api.post(`/board-planning/scenarios/${id}/projection/refresh`),
-    onSuccess: () => {
-      queryClient.invalidateQueries({ queryKey: ['board-planning-projection', id] });
-      notifications.show({ message: 'Projection refreshed', color: 'green' });
-    },
-  });
-
   if (isLoading) return <Center h={400}><Loader size="lg" /></Center>;
   if (!scenario) return <Center h={400}><Text>Scenario not found</Text></Center>;
 
   const investments = scenario.investments || [];
+  const summary = projection?.summary;
+
+  // Build a lookup of per-investment interest from the projection
+  const interestDetailMap: Record<string, { interest: number; principal: number }> = {};
+  if (summary?.investment_interest_details) {
+    for (const d of summary.investment_interest_details) {
+      interestDetailMap[d.id] = { interest: d.interest, principal: d.principal };
+    }
+  }
 
   return (
     <Stack>
@@ -139,15 +141,51 @@ export function InvestmentScenarioDetailPage() {
               { value: 'approved', label: 'Approved' },
             ]}
           />
-          <Button size="sm" variant="light" leftSection={<IconRefresh size={16} />} onClick={() => refreshProjection.mutate()} loading={refreshProjection.isPending}>
-            Refresh Projection
-          </Button>
           <Button size="sm" leftSection={<IconPlus size={16} />} onClick={() => setAddOpen(true)}>
             Add Investment
           </Button>
         </Group>
       </Group>
 
+      {/* Summary Cards */}
+      {summary && (
+        <SimpleGrid cols={{ base: 1, sm: 2, lg: 4 }}>
+          <Card withBorder p="md">
+            <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Total Principal</Text>
+            <Text fw={700} size="xl" ff="monospace">{fmt(summary.total_principal_invested || 0)}</Text>
+            <Text size="xs" c="dimmed">{investments.filter((i: any) => !i.executed_investment_id).length} planned investments</Text>
+          </Card>
+          <Card withBorder p="md">
+            <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Projected Interest Earned</Text>
+            <Text fw={700} size="xl" ff="monospace" c="green">
+              {summary.total_interest_earned > 0 ? `+${fmtDec(summary.total_interest_earned)}` : '$0.00'}
+            </Text>
+            {summary.total_interest_earned > 0 && (
+              <Text size="xs" c="dimmed">Over projection period</Text>
+            )}
+            {summary.total_interest_earned === 0 && investments.length > 0 && (
+              <Text size="xs" c="orange">Set purchase & maturity dates to calculate</Text>
+            )}
+          </Card>
+          <Card withBorder p="md">
+            <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Return on Investment</Text>
+            <Text fw={700} size="xl" ff="monospace" c={summary.roi_percentage > 0 ? 'green' : undefined}>
+              {summary.roi_percentage > 0 ? `${summary.roi_percentage.toFixed(2)}%` : '-'}
+            </Text>
+            {summary.roi_percentage > 0 && (
+              <Text size="xs" c="dimmed">Interest / Principal</Text>
+            )}
+          </Card>
+          <Card withBorder p="md">
+            <Text size="xs" c="dimmed" tt="uppercase" fw={700}>End Liquidity</Text>
+            <Text fw={700} size="xl" ff="monospace">{fmt(summary.end_liquidity || 0)}</Text>
+            <Text size="xs" c={summary.period_change >= 0 ? 'green' : 'red'}>
+              {summary.period_change >= 0 ? '+' : ''}{fmt(summary.period_change || 0)} over period
+            </Text>
+          </Card>
+        </SimpleGrid>
+      )}
+
       {/* Investments Table */}
       <Card withBorder p="lg">
         <Title order={4} mb="md">Planned Investments ({investments.length})</Title>
@@ -160,50 +198,62 @@ export function InvestmentScenarioDetailPage() {
                 <Table.Th>Fund</Table.Th>
                 <Table.Th ta="right">Principal</Table.Th>
                 <Table.Th ta="right">Rate</Table.Th>
+                <Table.Th ta="right">Est. Interest</Table.Th>
                 <Table.Th>Purchase</Table.Th>
                 <Table.Th>Maturity</Table.Th>
                 <Table.Th>Status</Table.Th>
-                <Table.Th w={80}>Actions</Table.Th>
+                <Table.Th w={100}>Actions</Table.Th>
               </Table.Tr>
             </Table.Thead>
             <Table.Tbody>
-              {investments.map((inv: any) => (
+              {investments.map((inv: any) => {
+                const detail = interestDetailMap[inv.id];
+                return (
                   <Table.Tr key={inv.id}>
                     <Table.Td fw={500}>{inv.label}</Table.Td>
                     <Table.Td><Badge size="sm" variant="light">{inv.investment_type || '-'}</Badge></Table.Td>
                     <Table.Td><Badge size="sm" color={inv.fund_type === 'reserve' ? 'violet' : 'blue'}>{inv.fund_type}</Badge></Table.Td>
                     <Table.Td ta="right" ff="monospace">{fmt(parseFloat(inv.principal))}</Table.Td>
                     <Table.Td ta="right">{inv.interest_rate ? `${parseFloat(inv.interest_rate).toFixed(2)}%` : '-'}</Table.Td>
-                  <Table.Td>{inv.purchase_date ? new Date(inv.purchase_date).toLocaleDateString() : '-'}</Table.Td>
-                  <Table.Td>{inv.maturity_date ? new Date(inv.maturity_date).toLocaleDateString() : '-'}</Table.Td>
+                    <Table.Td ta="right" ff="monospace" c={detail?.interest ? 'green' : 'dimmed'}>
+                      {detail?.interest ? `+${fmtDec(detail.interest)}` : '-'}
+                    </Table.Td>
+                    <Table.Td>{inv.purchase_date ? new Date(inv.purchase_date).toLocaleDateString() : <Text size="sm" c="orange">-</Text>}</Table.Td>
+                    <Table.Td>{inv.maturity_date ? new Date(inv.maturity_date).toLocaleDateString() : <Text size="sm" c="orange">-</Text>}</Table.Td>
                     <Table.Td>
                       {inv.executed_investment_id
                         ? <Badge size="sm" color="green">Executed</Badge>
                         : <Badge size="sm" color="gray">Planned</Badge>}
                     </Table.Td>
                     <Table.Td>
-                    <Menu withinPortal position="bottom-end" shadow="sm">
-                      <Menu.Target>
-                        <ActionIcon variant="subtle" color="gray"><IconDots size={16} /></ActionIcon>
-                      </Menu.Target>
-                      <Menu.Dropdown>
-                        <Menu.Item leftSection={<IconEdit size={14} />} onClick={() => setEditInv(inv)}>Edit</Menu.Item>
+                      <Group gap={4} wrap="nowrap">
+                        <Tooltip label="Edit">
+                          <ActionIcon variant="subtle" color="blue" size="sm" onClick={() => setEditInv(inv)}>
+                            <IconEdit size={16} />
+                          </ActionIcon>
+                        </Tooltip>
                         {!inv.executed_investment_id && (
-                          <Menu.Item leftSection={<IconPlayerPlay size={14} />} color="green" onClick={() => { setExecuteInv(inv); setExecutionDate(new Date()); }}>
-                            Execute
-                          </Menu.Item>
+                          <Tooltip label="Execute">
+                            <ActionIcon variant="subtle" color="green" size="sm" onClick={() => { setExecuteInv(inv); setExecutionDate(new Date()); }}>
+                              <IconPlayerPlay size={16} />
+                            </ActionIcon>
+                          </Tooltip>
                         )}
-                        <Menu.Item leftSection={<IconTrash size={14} />} color="red" onClick={() => removeMutation.mutate(inv.id)}>Remove</Menu.Item>
-                      </Menu.Dropdown>
-                    </Menu>
+                        <Tooltip label="Remove">
+                          <ActionIcon variant="subtle" color="red" size="sm" onClick={() => removeMutation.mutate(inv.id)}>
+                            <IconTrash size={16} />
+                          </ActionIcon>
+                        </Tooltip>
+                      </Group>
                     </Table.Td>
                   </Table.Tr>
-              ))}
+                );
+              })}
             </Table.Tbody>
           </Table>
         ) : (
           <Text ta="center" c="dimmed" py="lg">
-            No investments added yet. Click "Add Investment" to model an investment allocation.
+            No investments added yet. Click &quot;Add Investment&quot; to model an investment allocation.
           </Text>
         )}
       </Card>

frontend/src/pages/investment-planning/InvestmentPlanningPage.tsx

@@ -1,4 +1,4 @@
-import { useState, useEffect, useCallback } from 'react';
+import { useState, useEffect, useCallback, useRef } from 'react';
 import {
   Title,
   Text,
@@ -22,6 +22,7 @@ import {
   Modal,
   Select,
   TextInput,
+  Progress,
 } from '@mantine/core';
 import {
   IconBulb,
@@ -37,6 +38,7 @@ import {
   IconChevronUp,
   IconPlaylistAdd,
 } from '@tabler/icons-react';
+import { DateInput } from '@mantine/dates';
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import { notifications } from '@mantine/notifications';
 import { useNavigate } from 'react-router-dom';
@@ -381,6 +383,7 @@ export function InvestmentPlanningPage() {
   const [selectedRec, setSelectedRec] = useState<Recommendation | null>(null);
   const [targetScenarioId, setTargetScenarioId] = useState<string | null>(null);
   const [newScenarioName, setNewScenarioName] = useState('');
+  const [investmentStartDate, setInvestmentStartDate] = useState<Date | null>(new Date());
 
   // Load investment scenarios for the "Add to Plan" modal
   const { data: investmentScenarios } = useQuery<any[]>({
@@ -403,6 +406,7 @@ export function InvestmentPlanningPage() {
         bankName: rec.bank_name,
         rationale: rec.rationale,
         components: rec.components || undefined,
+        startDate: investmentStartDate ? investmentStartDate.toISOString().split('T')[0] : null,
       });
       return scenarioId;
     },
@@ -433,6 +437,7 @@ export function InvestmentPlanningPage() {
         bankName: rec.bank_name,
         rationale: rec.rationale,
         components: rec.components || undefined,
+        startDate: investmentStartDate ? investmentStartDate.toISOString().split('T')[0] : null,
       });
       return scenario.id;
     },
@@ -453,6 +458,7 @@ export function InvestmentPlanningPage() {
     setSelectedRec(rec);
     setTargetScenarioId(null);
     setNewScenarioName('');
+    setInvestmentStartDate(new Date());
     setPlanModalOpen(true);
   };
 
@@ -507,20 +513,31 @@ export function InvestmentPlanningPage() {
     }
   }, [savedRec?.status, isTriggering]);
 
+  // Ref for scrolling to AI section on completion
+  const aiSectionRef = useRef<HTMLDivElement>(null);
+
   // Show notification when processing completes (transition from processing)
   const prevStatusRef = useState<string | null>(null);
   useEffect(() => {
     const [prevStatus, setPrevStatus] = prevStatusRef;
     if (prevStatus === 'processing' && savedRec?.status === 'complete') {
       notifications.show({
+        title: 'AI Analysis Complete',
         message: `Generated ${savedRec.recommendations.length} investment recommendations`,
         color: 'green',
+        autoClose: 8000,
       });
+      // Scroll the AI section into view so user sees the new results
+      setTimeout(() => {
+        aiSectionRef.current?.scrollIntoView({ behavior: 'smooth', block: 'start' });
+      }, 300);
     }
     if (prevStatus === 'processing' && savedRec?.status === 'error') {
       notifications.show({
+        title: 'AI Analysis Failed',
         message: savedRec.error_message || 'AI recommendation analysis failed',
         color: 'red',
+        autoClose: 8000,
       });
     }
     setPrevStatus(savedRec?.status || null);
@@ -791,7 +808,7 @@ export function InvestmentPlanningPage() {
       <Divider />
 
       {/* ── Section 4: AI Investment Recommendations ── */}
-      <Card withBorder p="lg">
+      <Card withBorder p="lg" ref={aiSectionRef}>
         <Group justify="space-between" mb="md">
           <Group gap="xs">
             <ThemeIcon variant="light" color="grape" size="md">
@@ -815,19 +832,22 @@ export function InvestmentPlanningPage() {
           </Button>
         </Group>
 
-        {/* Processing State */}
+        {/* Processing State - shown as banner when refreshing with existing results */}
         {isProcessing && (
-          <Center py="xl">
-            <Stack align="center" gap="sm">
-              <Loader size="lg" type="dots" />
-              <Text c="dimmed" size="sm">
-                Analyzing your financial data and market rates...
+          <Alert variant="light" color="grape" mb="md" styles={{ root: { overflow: 'visible' } }}>
+            <Group gap="sm">
+              <Loader size="sm" color="grape" />
+              <div style={{ flex: 1 }}>
+                <Text size="sm" fw={500}>
+                  {aiResult ? 'Refreshing AI analysis...' : 'Running AI analysis...'}
                 </Text>
-              <Text c="dimmed" size="xs">
-                You can navigate away — results will appear when ready
+                <Text size="xs" c="dimmed">
+                  Analyzing your financial data, accounts, budgets, and current market rates
                 </Text>
-            </Stack>
-          </Center>
+              </div>
+            </Group>
+            <Progress value={100} animated color="grape" size="xs" mt="xs" />
+          </Alert>
         )}
 
         {/* Error State (no cached data) */}
@@ -839,17 +859,19 @@ export function InvestmentPlanningPage() {
           </Alert>
         )}
 
-        {/* Results (with optional failure watermark) */}
-        {aiResult && !isProcessing && (
+        {/* Results - keep visible even while refreshing (with optional failure watermark) */}
+        {aiResult && (
+          <div style={isProcessing ? { opacity: 0.5, pointerEvents: 'none' } : undefined}>
             <RecommendationsDisplay
               aiResult={aiResult}
               lastUpdated={savedRec?.created_at || undefined}
               lastFailed={lastFailed}
               onAddToPlan={handleAddToPlan}
             />
+          </div>
         )}
 
-        {/* Empty State */}
+        {/* Empty State - only when no results and not processing */}
         {!aiResult && !isProcessing && !hasError && (
           <Paper p="xl" radius="sm" style={{ textAlign: 'center' }}>
             <ThemeIcon variant="light" color="grape" size={48} mx="auto" mb="md">
@@ -890,6 +912,14 @@ export function InvestmentPlanningPage() {
             </Alert>
           )}
 
+          <DateInput
+            label="Start Date"
+            description="Purchase date for the investment(s). Maturity dates are calculated automatically from term length."
+            value={investmentStartDate}
+            onChange={setInvestmentStartDate}
+            clearable
+          />
+
           {investmentScenarios && investmentScenarios.length > 0 && (
             <Select
               label="Add to existing scenario"