Chart updated to end of APR in sidebar.
Stocks/cash increased $30,838 (+12.64%) to $274,812 but in reality the investments ended the month in a similar position as at the end of last month (despite the large Trump tariff induced panic and recovery during the month) - the change in my stocks/cash figure was due to a combination of withdrawing $20K from my mortgage offset account to make a monthly non-concessional contribution into super, and a deposit of an unexpected gift of $50K I received from my 90 year old mother when she visited during the Easter long weekend. I told her she can have it back any time (with interest) if she needs/wants it -- but in the meantime it seems more sensible to have the money sitting in my mortgage offset account earning the equivalent of 6.29% pa, rather than her keeping $50K of cash sitting in a handbag at the back of a wardrobe. The past 6 months worth of ESPP (Employee Share Purchase Plan) contributions (10% of my salary) will be used the make the first bi-annual share purchase of my employer's shares on 1 May. I already had some share allocated to me several year ago, so it will be nice to slowly add to my holding via the ESPP from now until I retire (or get retrenched). The share price is calculated at the lower of the market price at the start and end of the 6 month period, and is then discounted by 15%. So basically by participating I get an extra 15% of 10% of my salary -- so equivalent to a 1.5% salary boost. I won't say no to free money ;)
Retirement savings (SMSF etc) increased by $39,354 (+1.98%) to $2,028,790, partly boosted by the $20K NCC made during the month. There was also a mysterious $800 'rollover' from the ATO into my employer's preferred super fund. I checked in mygov but can't see any notification regarding this payment, but it might get generated and sent out after the payment was processed. I guess it might be some 'lost super' from some casual employment, but I can't think of any likely source.
Est. valuation of our home (my half) was unchanged at $1,191,911 (for the third month in a row). And the 'Other real estate' (my 'lake house' and the investment apartment) decreased slightly by -$6,025 (-0.28%) to $2,178,672. My parents have decided they will probably move straight into an aged care facility when/if they sell their current rural property, rather than move into the lake house for a couple of years as originally planned. So, rather than leave it unoccupied, I will go there a couple of times with DS1 on long weekends later this year to tidy up, clean the water tanks etc. and then probably rent it out from the start of next year. It should be able to be rented out for about $650/wk, so will be worthwhile even if I have to pay a local slashing/mowing service to cut the paddocks every month for about $500. The rent would cover the council rates and insurance (and would also make those expenses tax deductible against the rental income), and a tenant would ensure the property doesn't get vandalized (which happened once before).
Other assets (my online depository bullion account at Perth Mint, and the bullion value of my gold and silver proof coin collection) increased by $379 (0.61%) to $62,093. I am currently adding $200 worth of gold to my Perth Mint online depository account each month.
Overall, NW increased by $64,546 (1.38%) to $4,744,287 during April, but that was mostly due to the gift from my mother.
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