I finally got around to updating my sharesight portfolio tracker with my latest quarterly Investment Bond contribution transactions (processed on 17 Feb). Currently the quarterly contribution is around $1,825 each quarter, and I will continue to increase this by 125% annually until it reaches $50Kpa (which is approximately what my 'surplus' tax-free self-funded pension income will be). In the meantime I will store any 'surplus' pension income in my investment property mortgage offset account.
So far the annual ROI (after the ~30% tax paid by IB) is 8.57%pa, which seems OK. The investment allocation is fairly boring:
35% iShares Wholesale International Equity Index Fund
25% Vanguard High Growth Portfolio
20% Perpetual Geared Australian Share Fund
20% Dimensional World 70/30 Fund
I have automatic annual rebalancing in place, and the overall asset mix as at 31 Dec was:
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