NYSE Value
—
Schwab One Intl
ASX Value (USD)
A$1,462
BWP · 475 units
Unrealized G/L
—
—
Cash (USD)
$385
Available — Schwab
NYSE — Current Holdings
| Position | PEG | Qty | Avg Cost | Current Price | Market Value | G / L $ | G / L % |
|---|
ASX — CommSec
| Position | Qty | Avg Cost (AUD) | Price (AUD) | Value (AUD) | G / L (AUD) | Yield |
|---|
Allocation by Position
Allocation by Sector
Total Realized G/L
−$323
All time · sold positions
Open Positions Value
—
Current market value
All Trades
| Ticker | Type | Buy Date | Qty | Buy Price | Cost | Sell Date | Sell Price | Proceeds | P / L | Status |
|---|
Passive Income Goal
AUD $100 / month
Target by 2029 · 3-Year Plan
A$13.2
of A$100/mo
Now · A$13.2/moGoal · A$100/mo
Annual Dividend by Position
| Ticker | Div/Share | Qty | Yield | Annual Total | Monthly Est. |
|---|---|---|---|---|---|
BWP ASX | A$0.194 | 375 | 5.02% | A$72.75 | A$6.06 |
SCHD ETF | $1.06 | 12 | 3.25% | $12.72 | $1.06 |
VWO ETF | $1.46 | 7 | 2.42% | $10.22 | $0.85 |
CB NYSE | $4.08 | 2 | 1.27% | $8.16 | $0.68 |
NRG NYSE | $1.90 | 2 | 1.38% | $3.80 | $0.32 |
MSFT NYSE | $3.64 | 1 | 0.88% | $3.64 | $0.30 |
GOOGL NYSE | $0.86 | 4 | 0.22% | $3.44 | $0.29 |
NVDA NYSE | $0.04 | 6 | 0.02% | $0.24 | $0.02 |
ANET NYSE | — | 2 | 0% | $0.00 | $0.00 |
| TOTAL ANNUAL | ~A$158/yr | ~A$13.2/mo | |||
Dividend Calendar 2026
Jan
$3.53
SCHD·GOOGL
Feb
A$36.38
BWP·SCHD
Mar
$6.45
SCHD·CB·MSFT
Apr
$3.53
SCHD·GOOGL
May ★
$4.95
NRG·VWO·SCHD
Jun
$6.45
CB·MSFT·SCHD
Jul
$3.53
SCHD·GOOGL
Aug
A$36.38
BWP·SCHD
Sep
$8.98
CB·MSFT·VWO
Oct
$5.43
SCHD·NRG·GOOGL
Nov
$3.53
SCHD
Dec
$8.98
CB·MSFT·SCHD
3-YEAR PROJECTION
Monthly passive income (AUD) · 50/30/20 deposit strategy
Aggressive
Base (+A$350/mo)
Conservative
Goal A$100/mo
📋 Monthly Deposit Allocation
50% → Growth
GOOGL · NVDA · MSFT
30% → Dividend USD
SCHD (NYSE)
20% → Dividend AUD
BWP (CommSec)
🎯 Goals & Horizon
Investment horizon
10+ years
3-year income target
AUD $100/month
Current monthly income
AUD $13.20/month
Progress to goal
13.2%
Cash available
USD $469
Total realized G/L
−$323.20
🧭 Investment Principles
Buffett: Margin of safety
Always check P/E vs 5Y avg
Buffett: Hold period
Forever — no panic selling
Dalio: All Weather
NYSE + ASX + REIT + ETF
Dalio: Humility
Exit when thesis breaks
Lynch: PEG < 0.5
🟢 Steal — buy aggressively
Lynch: PEG 0.5–1.0
🟢 Undervalued — good entry
Lynch: PEG 1.0
🟡 Fair value — hold
Lynch: PEG 1.0–1.5
🟠 Slightly expensive
Lynch: PEG > 2.0
🔴 Overvalued — avoid
Personal rule
Never go to zero cash
Roadmap
NOW
Phase 1 · Today → Year 3
Accumulation + Dividend Base
Regular deposits 50/30/20. Build CB to 3-4 shares. Capture AI cycle growth. Reach AUD $100/mo passive income.
YR 3–5
Phase 2 · Years 3–5
Consolidation
Review ANET valuation. Increase defensive exposure. Evaluate TRV. Grow income beyond $100/mo.
YR 5–7
Phase 3 · Years 5–7
Gradual Rebalancing
Reduce AI/tech from ~57% toward 35-40%. Increase SCHD, VWO, CB, BWP.
YR 10+
Phase 4 · Year 10+
Mature Portfolio
Balanced growth vs income. Dividends as meaningful passive income stream.
⚡ Next Actions
🎯 Priority 1
Monitor CB · FNV · MU — reduce volatility
CB target
Add if drops to $290–$305 (PEG 1.07 — fair value)
FNV target
Add if drops to $175–$185 (inflation hedge + gold)
MU target
Add if drops to $700–$730 (PEG 0.04 — steal)
🎯 Priority 2
SCHD — Buy 4 shares next savings cycle (Sep 2026)
🎯 Priority 3
Monitor Visa V — entry $310–$330
V buy signal
PEG 1.90 · Forward PE 25.62x · enter on dip to $310
V target
$403 (Oppenheimer) · $414 GF Fair Value · +15–20% upside
🎯 Priority 4
Monitor Moody's MCO — entry $430–$460
MCO buy signal
PEG 1.41 · Fwd PE 27x · enter on pullback below $460
MCO target
$549 fair value · $580 BofA · $600 JPMorgan · +20–30% upside
⚠️ NRG
Hold 2 shares — tesis bajo presión · revisar Q3
No DRIP
CB until 8-10 shares
Tax Returns
🧾 Realized Gains by Tax Year (ATO)