EFI and 150K Allocation

We’ve finalized our EFI Allocations and the investments look pretty solid. Certain banks are now a bit cheaper so we’ve bumped up our holdings. We’ll be doing the 3x DFC distribution and the 3x DCA Buy up approach, so we’ve adjusted our holdings to reflect this.

For 2024-2025, our goal is to decrease our trading volume to limit the trading commissions, create a 50% initial staple for distributions, and DCA Buys when prices drop during distributions. By JUN25, our goal is for our EFI holdings to be fully invested reaching our Target Allocations of 250K. Currently, Income Funds are about 7.5% DFC%, and ETF DFC% is about 4.5%, which is above our estimates of 6.5%/3.5% respectively. As for the % allocations, we’ve adjusted from 60%/40%-to-50%/50%. RIO still hasn’t lowered their price while BHP has, so we’ve eliminated RIO from our targets of 6.25%, and upticked +1.25% across the banks + BHP. DXS will remain as our REIT staple and WOW and TWE will be our spec funds at 2.5% each. For ETFs, we’ve lowered our WDIV and VAP % allocations by (2.5%) each, and increased IOZ/VAS/SYI/AFI/GEAR by +2.5% each. WDIV and VAP are now franked, and their DY% are < 5%. Our spec ETFs are ROBO/IAF/QAU/CRYP. VGS and VEU will still be on our list, but without the % targets. We’ve currently invested about 150K in EFI, with a Target of 250K. Uninvested funds will remain in our ING Offset Acct at 6.70% Mortgage Interest Rate for interest cost savings.