Financial Metrics (3Y)(JUN23-JUN25)

Financial Metrics (3Y)(JUN23-JUN25)

Notes for JUN23-JUN25 (Pending to update for JUN26 once finalized)

// Summary by Asset Category //

/ Property Allocation /

Property Value: 830K (JUN25) / 810K (JUN24) / 750K (JUN23)

Rem Mort: 475K (JUN25) / 511K (JUN24) / 530K (JUN23)

Property Value: +80K / Rem Mort: +55K / PropEq: +135K

/ Prepaid Mort /

Mort Int Rate: 6.29% (JUN23) / 6.79% (JUN24) / 5.97% (JUN25)

Prepaid Mort: 140K (JUN23) / 312.2K (JUN24) / 345K (JUN25)

Mort Int Saved: Excl JUN23 as we were still on 2-year fixed interest rate.

+21.2K (JUN24), +20.6K (JUN25).

Pre-tax at MTR% 28% is calculated at +58K ((21.2K+20.6K)/(1-28%)).

/ AU Super /

SG% Rate: 10.5% (JUN23), 11% (JUN24), 11.5% (JUN25)

Concessional Limit: 27.5K (JUN23), 27.5K (JUN24), 30K (JUN25)

Net 15% Tax: 23.4K (JUN23), 23.4K (JUN24), 25.5K (JUN25)

Total Net Concessional Contr: +72.3K

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Spousal Contr: +3Kx3 = 9K

Non-Concessional Contr: 5Kx3=15K

Total Spousal+NC=9K+15K=24K

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364.1K (JUN25)-223.4K (JUN23)=+140.7K

Est. Net Growth: 140.7K-72.3K-24K=+44.5K

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Additional Notes:

• I believe one of the years we did Split Contribution, so it wasn’t necessary for us to contribute additional toward our non-concessional for that year.

/ Notes for Metrics /

Prepaid Mort / Inv: As we were still under the fixed interest rate on JUN23, we maxed our Prepaid Mort by JUN24.

Therefore, JUN24-to-JUN26 will stabilize in range 35%-to-45% given that JUN23 we were at 20%.

Super / Inv: We’ve continued to max our contributions for concessional.

Net concessional contr is +72.3K. Spousal Contr+NC is +24K. Incr in Super is 364.1K-223.4K=+140.7K of which 364.1K (JUN25) and 223.4K (JUN23) are our super balances.