docs: mark PORTFOLIO-002 and PORTFOLIO-003 done, update roadmap

docs/roadmap/backlog/PORTFOLIO-002-position-storage-costs.yaml

@@ -1,26 +0,0 @@
-id: PORTFOLIO-002
-title: Position Storage Costs
-status: backlog
-priority: P1
-size: S
-depends_on:
-  - PORTFOLIO-001
-tags: [portfolio, costs]
-summary: Allow users to configure storage costs for portfolio positions.
-acceptance_criteria:
-  - Each position can have optional storage_cost_basis (annual % or fixed amount)
-  - Storage cost period selectable: annual, monthly
-  - Overview page shows aggregate storage cost impact on net equity
-  - Hedge recommendations account for storage drag
-  - Physical gold positions default to typical vault storage (e.g., 0.12% annual for allocated)
-  - GLD positions note that expense ratio is already baked into price
-notes:
-  - For GLD: expense ratio decay is implicit, no separate storage cost needed
-  - For GC=F: roll costs (contango) are the primary storage analog
-  - For physical XAU: vault storage is explicit cost
-  - Storage costs affect LTV calculations (reduce effective equity)
-implementation_hints:
-  - Add `storage_cost_basis: Decimal | None` to `Position`
-  - Add `storage_cost_period: "annual" | "monthly" | None` to `Position`
-  - Compute annualized storage cost for equity/P&L display
-  - Add storage cost breakdown to overview page

docs/roadmap/backlog/PORTFOLIO-003-physical-gold-premium-spread.yaml

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-id: PORTFOLIO-003
-title: Physical Gold Premium and Spread
-status: backlog
-priority: P1
-size: S
-depends_on:
-  - PORTFOLIO-001
-tags: [portfolio, physical-gold]
-summary: Support dealer premium and bid/ask spread for physical gold positions.
-acceptance_criteria:
-  - Position can specify `purchase_premium` (dealer markup over spot)
-  - Position can specify `bid_ask_spread` (expected sale discount below spot)
-  - True cost basis = entry_price + purchase_premium
-  - Effective exit value = spot - bid_ask_spread
-  - P&L shows both paper P&L and realized P&L accounting for spread
-  - Default premium/spread values for common products (coins, bars)
-  - Settings page exposes premium/spread inputs for XAU positions
-notes:
-  - Common gold products:
-    - Gold ETF (GLD): 0% premium (market price), spread ~0.1%
-    - Gold coins (1oz): 3-5% premium, 2-4% spread
-    - Gold bars (1kg): 1-2% premium, 1-2% spread
-    - Allocated storage (Goldmoney, BullionVault): 0.1% premium, 0.3% spread
-  - Premium lowers effective entry price
-  - Spread lowers effective exit price
-implementation_hints:
-  - Add `purchase_premium: Decimal | None` to `Position` (percentage)
-  - Add `bid_ask_spread: Decimal | None` to `Position` (percentage)
-  - Cost basis formula: `effective_entry = spot_at_entry × (1 + premium)`
-  - Exit value formula: `effective_exit = current_spot × (1 - spread)`
-  - Add premium/spread presets to settings UI