Salary/Investments/Property % Assessment (2021-2024)

Based on our EK Portfolio Analysis, we have the following financials:

Property:

DEC21: 162K / JUN24: 299K

AU Equities:

DEC21: 307K / JUN24: 172K

ING Offset/PPM:

DEC21: 0K / JUN24: 312K

AU Super:

DEC21:154K / JUN24: 282K

For K Net Salary (from Net Savings Rate Analysis (2020-2024)):

JUN21: 104K / JUN24: 122K [Promotion on JUN23]

Excluding Promotion (for metrics only):

JUN21: 104K / JUN22: 106K

We can summarize the following:

Property:

DEC21: 162K / JUN24: 299K

AU Equities+ING Offset/PPM:

DEC21: 307K / JUN24: 484K

AU Super:

DEC21:154K / JUN24: 282K

K Net Salary (excl Promotion):

JUN21: 104K / JUN22: 106K

% Assessment (2.5 Years):

Property: 84.5%/2.5 Years = +34%

AU Equities+ING Offset/PPM: 58%/2.5 Years = +23%

AU Super: 83%/2.5 Years = +33%

K Net Salary: 2%/1 Year = +2%

Our Assessment:

For Property, if we only look at the Purchase Price compared to JUN24 Market Value, our property price was 700K on SEP21. JUN24 Market Value was 810K. That’s 15.7%/2.5 Years = 6.3%. Salary % increase is 2%.

Another insight is that our ROE % for Property is +84.5% in 2.5 Years, or +34%/annualized. Although we don’t benchmark to the ASX or the S&P, +84.5% in 2.5 Years is significant.

As for AU Super, this includes SG (Super Guarantee) from K’s employer, as well as our Salary Sacrifice contributions, and not solely on market returns. However, even without calculating the initial cost basis, +33%/annualized, or 83% in 2.5 Years is significant.

Lastly, AU Equities+ING Offset/PPM is our primary source. +23%/annualized, or 58% in 2.5 Years is incredible, given the increasing cost of living conditions that we are currently facing today. We’ve increased our cash equity by +177K in 2.5 Years. As of JUN24, we now have 484K. Since the Mortgage Interest Rate is 6.79% to-date, we save about 33K in after-tax in mortgage interest annually.