Moomin Valley

Another month flies by. Financial markets were mixed, falling in Australia and rising globally. We earned a lot of extra income this month....

The house 2 doors away from us was auctioned today. It sold for $801,000 (AUD). Initially it passed in at $785,000 after one bid at that lev...

Yet another positive month for the markets and us. Here are our monthly accounts (in AUD): Spending (not counting mortgage) was high at...

It was another positive month for the markets and us. Here are our monthly accounts (in AUD): Spending (not counting mortgage) was high...

As I mentioned in the monthly report we did a big asset reallocation recently.You can see the step down in the allocation to large cap Au...

It was another positive month for the markets and us. We did a big restructure of some of our investments, which I'll discuss after thi...

This month was fairly quiet though there was a strong rise in the Australian Dollar, which boosted our US Dollar returns. Here are our mont...

So here is how the last year looks on a graph in the context of everything since 1996: The blue line is the sum of the other three lin...

This is our annual account - the sum of each of the monthly accounts I've posted - in Australian Dollars. First a reminder about ho...

This month saw a big jump in net worth as stock markets were strong, our spending relatively low, and non-investment earnings high. Here ar...

We exceeded our optimistic forecast of reaching a net worth of AUD 1.7 million by the end of 2016. The optimistic forecast for 2017 is curr...

Here are our monthly accounts (in AUD): Spending (not counting mortgage) was fairly typical at $6.3k. The biggest single expenditure was...

A down month in the financial markets and a very high spending month for us. Here are our monthly accounts (in AUD): Spending (not co...

I've filed Moominmama's (formerly Snork Maiden) tax return for this tax year. The tax year runs from 1st July to 30th June in Austra...

I have now completed my tax return. Looks like I should get a $204 refund. My taxable income is up by 2%. But my tax is up 4% despite a 2...

This was an uneventful month in the financial markets. Most notable thing was in our local housing market. A strong auction of a house in o...

There was an auction today of another free-standing house in our complex. Smaller and without a view but it is at the end of the row, so not...

Here are our monthly accounts (in AUD): Spending (not counting mortgage) was low at $4.5k. Again, no large and exceptional purchases t...

This was a good month all round - both strong investment performance and moderate spending. Here are our monthly accounts (in AUD): Spe...

John Mauldin writes a newsletter Thoughts from the Frontline . In the latest issue he suggests that his net worth is only 1/2 million dollar...

Clime report that the average Australian balanced fund returned 2.5% for 2015-16. They argue that this was achieved largely from bonds. We r...

I finally sold out of Aurora Dividend Income Trust (22,389 shares). It hasn't been performing that well and the news around the mana...

Revanche provides info on her progress in increasing dividend flow from stocks. I can't actually give you that exact information unless...

At the beginning of the year I forecast that the best case scenario would see net worth rise to AUD 1.7 million or USD 1.2 million by the e...

After hitting a new net worth high in Australian Dollar terms last month, net worth fell back a bit in this month's market turmoil. He...

This month we hit a new net worth high in Australian Dollar terms of of $1.565 million up $67k on last month. The previous high was in July...

Spending was a bit lower this month, financial markets had moderately positive performance, but our salary income has now gone down as Moom...

The budget released yesterday actually turned out pretty well for me despite some of the leaked stories . In the end the income level at whi...

Only 3% of Australian taxpayers are in the top tax bracket, which starts at $180,000 a year and has a marginal tax rate currently of 49%. An...

Changes to superannuation are a perennial topic . If the government does this - lower the threshold for the 30% super contributions tax to ...

Low spending didn't continue into this month... Moominmama (formerly Snork Maiden) is out and about and Moomintroll is in tow. We went ...

Yes, little Moomin arrived this month and we are now officially Moominpapa , Moominmama, and little Moomintroll. As a result, this turned o...

Here are our monthly accounts (in AUD): Spending was down but still quite high at $7,770. The biggest single expenditure was an $1,898 p...

So here is how the last year looks on a graph in the context of everything since 1996: The blue line is the sum of the other three. Mediu...

Here are the 2015 accounts in US Dollars. The main differences are: Smaller numbers for earning and spending due to the difference in v...

This is our annual account - the sum of each of the monthly accounts I've posted - in Australian Dollars. First a reminder about how ...

Last year I forecast that net worth would optimistically reach $A1.65 million and pessimistically fall to $A1.15 million by the end of 20...

Here are our monthly accounts (in AUD): We spent even more money than last month - $21k in total. And this doesn't include our mor...

After thinking about making after-tax retirement contributions , I thought today - Heh, I'm not even making the maximum pre-tax contribu...

Here are our monthly accounts (in AUD): The headline news is that we spent a lot of money. Some of the biggest expenditures (everything...

At the moment, Australians can contribute up to $A180k per year to superannuation from after tax money on top of up to $A35k (if over 50) fr...

I only underestimated the amount of extra taxes that I owe by $5. I don't know why I also wasn't charged an extra amount of tax for...

UBS recommending 34% allocation to US fixed income. I guess this might makes sense if they mean treasury bills (90 day maturity). Don'...