Portfolio #1 Update — 3.48 Years In (as of 13 Sep 2025)

Highlights

• CAGR (XIRR): 28.67% since 22-Mar-2022 — handily ahead of broad US ETFs over the same span: SPY 11.54%, QQQ 15.35% (outperformance vs. SPY +17.13 pts, vs. QQQ +13.32 pts).

• Unrealized P/L: AU$10,385.77 (+39.48% on current positions)

• Realized P/L: AU$25,559.14

• Dividends collected: AU$988.38

• Current value: AU$56,812.70 (Equities AU$36,692.15 | Cash AU$20,120.55 ~35.4%)

Recent activity

• 31 Jul 2025: Closed META at +315.06% Profit (CAGR ~53.88%)

• 21 Aug 2025: Closed FAST at +108.33% Profit (CAGR ~26.99%)

• 26 Aug 2025: Opened ASML

• 05 Sep 2025: Added to ISRG

Capital plan

We plan to withdraw AU$20,000 from this portfolio for an investment-property deposit. With ample realized gains and ~35% cash, this keeps the strategy intact while funding a real-asset opportunity.

What’s working

• Sticking to a rules-based process (quality + discipline) → let winners run (META), take profits when the thesis/valuation says so (META/FAST), and rotate into durable compounders (ASML, ISRG).

• Cash buffer (~35%) provides dry powder for pullbacks instead of forcing buys at highs.

Context

Both SPY and QQQ are at/near all-time highs, yet the portfolio’s 28.67% CAGR has still outpaced them since inception. Returns are computed via XIRR (cash-flow aware CAGR).

Next steps

• Maintain risk discipline and position sizing.

• Re-deploy selectively from the watchlist if/when setups align with my rules.

• Stay patient—compounding > constant tinkering.

Note: This is a personal update, not financial advice. Past performance isn’t a guarantee of future results.