Centralize investment_contributions_category logic and update references for streamlined handling.

app/models/account/provider_import_adapter.rb

@@ -155,7 +155,7 @@ class Account::ProviderImportAdapter
         auto_kind = "funds_movement"
       elsif detected_label == "Contribution"
         auto_kind = "investment_contribution"
-        auto_category = account.family.categories.find_by(name: Category.investment_contributions_name)
+        auto_category = account.family.investment_contributions_category
       end
 
       # Set investment activity label, kind, and category if detected

app/models/family.rb

@@ -79,6 +79,12 @@ class Family < ApplicationRecord
     @income_statement ||= IncomeStatement.new(self)
   end
 
+  # Returns the Investment Contributions category for this family, or nil if not found.
+  # This is a bootstrapped category used for auto-categorizing transfers to investment accounts.
+  def investment_contributions_category
+    categories.find_by(name: Category.investment_contributions_name)
+  end
+
   def investment_statement
     @investment_statement ||= InvestmentStatement.new(self)
   end

app/models/transfer/creator.rb

@@ -43,7 +43,7 @@ class Transfer::Creator
     end
 
     def investment_contributions_category
-      source_account.family.categories.find_by(name: Category.investment_contributions_name)
+      source_account.family.investment_contributions_category
     end
 
     def inflow_transaction