Portfolio Performance Update — 3 Snapshots, 1 Story of Compounding (Portfolio is now on its 4th year)
Ito ang update ng portfolio na mina-manage ko (owner is 27 years old, retirement fund ang goal). I’m sharing 3 snapshots para makita natin ang reality ng long-term investing: may up, may down, pero ang mahalaga ay overall trajectory at discipline.
Snapshot 1 — As of Nov 29, 2025
Total Portfolio: AU$43,758.61
Unrealized P/L: AU$14,192.29 (+49.49%)
Dividends Received: AU$1,048.31
XIRR/CAGR: 29.75%
Total Deposits: AU$33,342.59
Total Withdrawals: AU$20,000.00 (profits used as deposit for another property — more on this below)
By late 2025, ang ganda ng takbo. High XIRR, mataas unrealized gains.
Snapshot 2 — As of Mar 23, 2026
Total Portfolio: AU$42,647.71
Unrealized P/L: AU$9,310.30 (+28.57%)
Dividends Received: AU$1,147.04
XIRR/CAGR: 23.90%
Total Deposits: AU$37,005.06
Total Withdrawals: AU$20,000.00
Dito makikita ang temporary dip: from 29.75% down to 23.90%.
Main driver: market volatility + geopolitical shock (Iran war / risk-off sentiment) — kahit quality companies, pwedeng sabay-sabay bumaba for a while.
Snapshot 3 — As of May 27, 2026
Total Portfolio: AU$50,280.95
Unrealized P/L: AU$14,697.30 (+45.09%)
Dividends Received: AU$1,218.30
XIRR/CAGR: 26.34%
Total Deposits: AU$39,180.04
Total Withdrawals: AU$20,000.00
The good news: recovery happened.
From Mar to May, the portfolio bounced back and the CAGR improved to 26.34%.
What this timeline teaches us
1) Not all holdings will be winners
Normal na may red positions. What’s important is overall portfolio performance, not perfection per stock.
When you consistently choose quality companies at fair value, you increase the chance of getting more winners. And with enough time, even the current “losers” can become winners too — recovery + compounding.
2) This is why we track XIRR/CAGR
Hindi lang “green today” ang basehan. XIRR tells us the real performance considering cash flows (deposits/withdrawals). Kaya kahit nagkaroon ng withdrawals, kita pa rin kung malakas ang compounding engine.
3) Withdrawals were strategic, not lifestyle
Yes, there were withdrawals (AU$20,000).
Reason: profits were used as a deposit to buy/build another property. The current property becomes investment property and will be rented out.
This is a key rule in accumulation stage:
You withdraw only if you are converting gains into a better long-term asset
You don’t withdraw profits to finance daily needs — otherwise your retirement plan gets derailed.
Benchmark context (for perspective)
Based on the ETF comparison shown:
SPY: ~13.04% CAGR
QQQ: ~18.67% CAGR
This portfolio: 23.90% → 26.34% (depending on snapshot)
Meaning: even with volatility and withdrawals, the portfolio’s long-term compounding has remained competitive vs broad-market benchmarks.
Bottom line
In long-term investing, volatility is normal. Wars, rate hikes, scares — all temporary.
But if the strategy is sound, contributions are consistent, and you give it time, compounding does its job.
(Not financial advice. For education only.)
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