combine three reports

you would export the 4 queries in a macro (or vb code) similar to

vFile = "C:\folder\file.xlsx"
DoCmd.TransferSpreadsheet acExport, acSpreadsheetTypeExcel12, "qsQry1", vFile, True, "Capital"
DoCmd.TransferSpreadsheet acExport, acSpreadsheetTypeExcel12, "qsQry2", vFile, True, "Income"
DoCmd.TransferSpreadsheet acExport, acSpreadsheetTypeExcel12, "qsQry3", vFile, True, "Investment"