Portfolio Update (as of 23 Mar 2026) — 4th Year na nito! (Retirement Fund | Age 27)

Quick update sa portfolio na mina-manage ko for a 27-year-old investor.

Today, this portfolio is already in its 4th year (started 22 Mar 2022). Goal nito is simple: retirement fund—so long-term compounding ang laban kahit may mga panahong magulo ang market.

1) Bakit bumaba ang CAGR?

• CAGR/XIRR (01 Jan 2026): ~25.38%

• CAGR/XIRR (Today – 23 Mar 2026): ~23.90%

Bumaba mainly because of the recent market volatility driven by geopolitical tensions (Iran war) — kapag risk-off ang market, even strong companies can temporarily pull back.

But the key point: 23.90% CAGR is still very strong, lalo na for a retirement portfolio with ongoing contributions and market cycles.

2) Current Portfolio Snapshot (Today)

From the portfolio summary:

• Total Cost (open positions): AUD 32,592.51

• Total Market Value (open positions): AUD 41,902.81

• Unrealized P/L: AUD 9,310.30 (+28.57%)

• Realized P/L (closed trades): AUD 21,168.17

• Dividends Received: AUD 1,147.04

• TOTAL Return (Realized + Unrealized + Dividends): AUD 31,625.51

• % Total Return: 67.08%

• CAGR/XIRR (since 22 Mar 2022): 23.90%

Cashflow context:

• Total Deposits: AUD 37,005.06

• Total Withdrawals: AUD 20,000.00

• Net Deposits: AUD 17,005.06

3) Winners and Losers (Open Holdings Today)

Top winners (P&L %):

• LRCX: +231.00%

• LLY: +90.19%

• ASML: +59.21%

• FTNT: +55.32%

• WES: +48.86%

• NDQ: +44.06%

• NVDA: +28.55%

• ETHI: +21.32%

Currently down (normal sa volatile market):

• ADBE: -41.18%

• COH: -39.93%

• AVGO: -14.63%

• CTAS: -12.78%

• INTU: -10.43%

• ADP: -9.53%

• ISRG: -7.07%

• MSI: +1.19% (slightly positive, basically flat)

Important reminder: Not all holdings will be winners.

What matters is the overall performance of the portfolio.

When you consistently choose quality companies at fair value, you increase the probability na mas madami kang magiging winners over time. And ideally, the current “losers” can also become winners if given enough time to recover and compound. That’s why time horizon is a superpower.

4) Projection: Even at “only” 20% CAGR, malaki ang puwedeng abutin

If we can maintain a conservative target of 20% CAGR until her desired retirement age of 50, projection shows:

• Projected retirement fund value: ~AUD 7.2M

Assumptions:

• Current portfolio around AUD ~42.7K

• Monthly investing AUD 500

• (At the moment she is investing AUD 1,000/month until June 2028, then back to AUD 500/month)

At a 3% withdrawal rate, this can support a lifestyle of about:

AUD ~9,649/month in today’s value (inflation-adjusted)

5) Summary of Stocks Sold (Profits Used for Property Deposit)

During the journey, some positions were closed and profits were withdrawn strategically—not for lifestyle spending, but for a deposit to buy/build another property (the current property will become a rental/investment property).

Notable closed winners:

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

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

And overall, the portfolio has already produced:

• Realized Profit: AUD 21,168.17

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6) The retirement rule (important!)

Since this is an accumulation-stage retirement portfolio:

• You do NOT withdraw profits to fund daily needs.

• You withdraw only if you’re converting it into a better long-term asset (example: property that will generate rent).

Because the moment you treat your retirement fund like an ATM, your retirement goal gets jeopardized.

(Not financial advice. For education only.)

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