DFC Analysis (FY23-24)

DFC Analysis (FY23-24) / AU Inv (YTD AUG23)

Decided to create the DFC Analysis of our AU Investments Portfolio to prepare for this year. Since most of our AU Equities are trading at its 52WH, we’ve liquidated about half of our holdings yesterday, 4-SEP-23. Our YTD (JUL23+AUG23) MR is 6K, invested about 55K, which makes our MR % of 11%. I haven’t factored in our JUL23 Dividend Payouts, and FC will be factored in when we file our taxes for the following year.

To-date, we have about 70K invested in EFI. About 110K in Cash Investments. In order for us to DCA Buys, our TG % averages about 7.5% so for now we’ll sit in the side lines until the market cools off by the % spread. Since our Mortgage Variable Rate is 6.29%, we’ll put most of our Cash Investments into our ING Offset Acct and will withdraw as needed for the DCA Buys. Our 70K will remain invested to goal is to target 7.5% DFC diversified in Income and Income ETFs. Based on rough calculations of 100K, 6.29% would be 6.3K in cost savings of interest with no risk. That’s an absolute savings. However, for us to invest 100K back into our portfolio, the market would need to drop by 7.5%, which would lessen our accessed risk and market volatility, with a target of 7.5% MR+DFC 7.5% = MR 15%+, on top of our YTD MR. We’ll see how the market plays out closer to the quarterly dividend payout periods.