Fin Dashboard (JUN26)
We’ve completed our framework for the Power BI Dashboard and finalized our JUN26 financials for the YE.
Based on our 3‑year assessment, we increased our Net Equity by 405K, rising from 925K-to-1.33M, representing a 44% total increase and an annualised growth rate of approximately 14.5%. Excluding Property, our Investable Assets grew by 207K, increasing from 703K-to-910K, which equates to an annualised growth rate of around 10%.
With our mortgage rate at 6%, we’ve focused on building up the PPM/Offset. Offsetting the remaining 446K saves around 27K in interest each year, which is equivalent to roughly 36K pre‑tax. Based on recent property sales on RE and Domain, we’re estimating our property value at around 865K. Our property increased in value by 165K over 5 years (700K-to-865K), representing total capital growth of 23.6% and an annualised capital growth rate (CAGR) of 4.33%. This growth allowed us to refinance in AUG25 and release equity to reduce our monthly mortgage repayments.
We also reduced our Investments allocation from our taxable investment account to better align with our risk profile and shifted the portfolio toward a hybrid ETF/Income mix to lower our market volatility trading while focusing on increasing our monthly cash flow. This update keeps the portfolio aligned with the latest Budget Reform developments.
