Net Equity and Super Assessment (5Y)
In reference to our Median Net Worth and Super Balances Analysis post, this thread will be an assessment of our own financials. Our financials may be skewed due to the pandemic in 2020 and the uptick in mortgage interest rates in 2022, but we’ve adjusted our allocations to reflect these market conditions.
EK Share Investing-Fund Analysis (17-APR-26) (PDF)
We’ve initially set a few target milestones and we adjust every few years as needed based on existing market conditions. These milestones are achievable at first, but as we continue to accumulate and build our wealth, our metrics and milestones become more complicated due to the larger amounts that we’re now working with. Instead of setting nominal targets, we’ve decided to switch over to % metrics.
However, even % metrics are not as defined due to the weighted average in our asset allocations. Now that we’ve maxed our Prepaid Mortgage (PPM), Property and Super are our 2 core assets regarding % weighted. Our next 2 core assets would be Taxable Investments and Cash Savings. When we decide to purchase our investment property, we’ll reallocate our taxable investments and cash savings for the deposit.
We’ve achieved our target milestone of an average of 125K+ in NE for 5+ consecutive years. +673K/5=135K. We’ve also achieved our target milestone of an average of +12.5% in NE% for 5+ consecutive years. 1.24M/566K=2.191. 2.1911/5=1.169. NE% annually=1.169−1=0.169. NE% = 16.9%/year (CAGR).
For mortgage interest rates, 2021: Very low (2%–3%) / 2022: Rising (3%–5%) / 2023: High (5.5%–6.5%+). We thought our Property Value would’ve decreased, but instead our property value increased. Purchased in SEP21 for 700K. Estimates from RE // JUN23: 750K, JUN24: 785K, DEC25: 830K. Property Gain: 130K in about 4 years. Property Growth: 4.1%/year (CAGR).
Since our Property is currently our primary residence, we have no expectations of property growth, so we didn’t factor this in our initial targets. We had planned to purchase an investment property this year, but property prices remain high and above our entry point and mortgage rates are still close to 6%. For now, we’d rather earn 4.5%+ on cash savings with no risk, and save on mortgage interest.
Due to its recent geopolitics, our trading volume has significantly increased within our Super due to its increase in market volatility. Banks and Mining are still trading at premium, and Tech is trading much lower due to SaaSpocalypse fears of AI disruption. Crypto weekly range is crazy. Can either gain +10% one week or -10% the following week.
Its hard to gauge how our Super and Taxable investments would become impacted. We’ve been DCA our purchases if the market opens or closes the week at a decline, and we’ve been DCA our sells once the trigger % hits 4%+ within the week or the following week. Certain trades, our holdings averages 1-2 days. Its quite interesting when trading on heavy market volatility, but the direction of how the market is currently trending remains unknown.
We’ll finalise our financials by JUN26. If geopolitical conditions continue to affect markets, we’ll reassess our asset‑allocation percentages and plan our next moves.
