EK Investment Allocation Strategy (MAR23)

EK Investment Allocation Strategy (MAR23)

Notes:

I've created a matrix of our Investments and Allocations based on the Invested Balances and the Est MR based on its DY%. I've separated our Investments and our Non-Investments for transparency.   

A few things to mention:

- Your K Salary Contributions to the Investments are 57.5K, or about 61%. Our Investments estimated return is about 36K, or about 39% (incl Super). Our Mortgage + property costs are estimated at 30K. That means our investment return can technically cover the mortgage + property costs without us having to draw down in case something happens to your job. That excludes our EK Monthly costs though.

- If we exclude K Salary Contributions of 57.5K, and we fully invest our remaining cash, we can target 45K in Passive Income. Excluding Super would be about 34K. 

- Assuming no changes to your job, we're targeting to increase our equity by 124K annually, including our mortgage+prop costs of 30K. Excluding would be 94K.

- Regarding KFI/BInvT, splitting everything in half between you and B would actually be messy and complicated. That would include any market returns in the future. Can we discuss and revisit this? We can technically use the deferred cash method and offset B with your future K Salary, but would still require a place for us to put his funds while investing. BInvT would still be easier to manage since it's independent of our holdings.

- Est EK Total is 881K, excluding KD Holding of 20K, but includes BInvT of 65K. Excluding BInvT would be 816K.

- Numbers exclude your K Bonus of 40K Gross, or 28K Net from our calculations. Assume we save 50% net or contribute an additional 15K to our investments.