FinAI (CFM)
Last Updated on 13-JUN-25
Updated using Microsoft CoPilot
Salary Allocation: Net Monthly Salary Allocation categorized by Type, including scheduled dates for recurring transfers and savings with a running balance for CBA, Macq, and WBC.
Savings Forecast (CFM): Monthly savings contributions for CBA, Macq, and WBC are planned through DEC25, with quarterly contributions until JUN26. Contributions from DEC26-JUN27 remain tentative, pending the potential investment property purchase.
Financial Cash Position: Includes an overview of Property, Savings, and Offset Account, along with a detailed commentary on Cash Utilization Assessment. Provides a comprehensive analysis of Financial Metrics, considers the implications of Negative Gearing, and presents a side-by-side comparison for the Investment Property Purchase.
EK Asset Allocation: Includes a category breakdown of Property, Investments, and Super, along with Savings + Offset/PPM showing Total Cash and Total Assets. Provides Property 1 Allocation with a detailed 3-year forecast, highlighting Equity analysis, Total Cash Allocation, and Remaining Loan Balance.
EK Portfolio (5Y) [Will update after we finalize JUN25]: The EK Portfolio report offers a comprehensive analysis of asset allocation over the five-year period from JUN20 to JUN25. The report details investment categories, performance trends, and portfolio growth. Key indicators, including YoY Net Equity ($/%) and Compounded Annual Growth Rate (CAGR%), provide insights into the overall financial performance.
Prop Val+CF / Loan Details+Refinance / Owning vs Renting / Purchase+Upfront: Four separate reports providing a detailed analysis of property, covering valuation, cash flow dynamics, loan details, refinancing options, owning vs. renting comparisons, and upfront costs associated with purchasing an investment property.
Prop2 Alloc (3Y Forecast): A 3-year forecast for purchasing the investment property, detailing Equity, Expenses, Net Equity, Total Return on Equity (TROE%), Annualized Return (AR YoY%), and Remaining Loan Balance. The second report presents the adjusted allocation, assessing the negative gearing (NG) impact by integrating cash flow and equity adjustments while recalculating the Remaining Loan Balance and required the Offset/PPM balance to reflect gearing effect.
