Moomin Valley

If we retired today, how much would our retirement income be? To answer the question, I updated an analysis I did a few years ago and came u...

  This chart compares the fitted investment income curve from my previous post about the "boiling point" with the monthly loss of...

I recently posted about the returns on the children's portfolios . It looks like it would be complicated to transfer Big Moomin's po...

Interesting post from Enough Wealth on the "boiling point" when more of your gain in net worth comes from investment returns rathe...

Fundrise have come out and said that they think the bottom is in in the commercial real estate market. Coincides with my assessment that ma...

I haven't formally finalized the accounts for 2023 yet. I will need to wait to get investment returns on illiquid investments that repor...

I was calling our children Moomin and Baby Moomin on this blog. But the latter is no longer a baby, so let's call them Big and Little Mo...

I just got scammed for AUD 2,300. I got an email from my webhosting company saying that my card had expired and I needed to renew. Except it...

Today I received new format gas and electricity bills from ACTEWAGL which include a notice on the front page that we can reduce our bills by...

Australian Unity and Cromwell announce that their fund merger plan is cancelled . I wasn't very enthusiastic about the merger and so am...

I also did Moominmama's taxes for this financial year. The post about last year's taxes is here . Here is a summary of her tax retur...

This year, I've prepared our tax returns just before the deadline. Here is a summary of my taxes. Last year's taxes are here . To ma...

The SEC finally approved the registration of Pershing Square SPARC Holdings. I bought Pershing Square Tontine Holdings (PSTH) around $23. We...

I haven't posted monthly reports for July or August. The reason is that the July accounts have an error of more than AUD 12k and I don...

I just found these great personal finance videos . I know most of this stuff, but lots (most?) of people could learn a lot from this!

Closed my Paypal account. Only time it ever comes up is when someone is trying to scam me. Just had someone try to charge USD 599 to me.

In Australia, if you don't get private health care when you are younger, if you finally do get it you have to pay an extra "loading...

We finally have all the investment statements and reports for the 2022-23 financial year, which means I can put together a report on our inv...

Following up from my post on how our SMSF is performing compared to our managed superannuation funds, here is how our superannuation in ge...

Inspired by this article in the AFR, here is an update on how well our SMSF is doing compared to Unisuper and PSS(AP). after underperformin...

I blogged recently about the proposed merger between the Australian Unity Diversified Property Fund and a Cromwell office fund. Today, I was...

Australian Unity Diversified Property Fun has a new merger proposal on the table following the failed merger in 2021-22 . This is a merger w...

For the last six years I've been putting together reports on our spending over the Australian financial year, which runs from 1 July to ...

Ramit Sethi advocates only tracking about four categories of spending and is critical of couples who do more fine-grained tracking . For the...

In May, markets were mixed. The MSCI World Index (USD gross) fell 1.00% while the S&P 500 rose 0.43% in USD terms. The ASX 200 fell 2.30...

I fixed my margin loan interest rate for the next year at 7.69% instead of a variable rate 9.15%. I am paying the interest in arrears. At th...

In April, stock markets continued to rise. The MSCI World Index (USD gross) rose 1.48% and the S&P 500 1.56% in USD terms, while the ASX...

So, Moominmama talked to HR about the "voluntary redundancy". They said that there was no restructuring in progress and she would ...

Moominmama was offered a redundancy package. Seems a bit like an offer you can't refuse. When she asked if she would be fired anyway if ...

In March, stock markets rebounded. The MSCI World Index (USD gross) rose 3.15% and the S&P 500 3.67% in USD terms, while the ASX 200 onl...

I just found that a lot of comments people made in the past were stuck in moderation. I didn't know "sometimes moderation" was...

 I entered a new yield curve trade - betting on a reduction in the inversion: This executed by buying a spread that is long two year treasur...

In February, stock markets fell again. The MSCI World Index (USD gross) fell 2.83% and the S&P 500 2.44% in USD terms, while the ASX 200...

In January, stock markets rebounded. The MSCI World Index (USD gross) gained 7.19% and the S&P 500 6.28% in USD terms, and the ASX 200 g...

I sold some Pengana Private Equity (PE1.AX) shares as they are trading above NTA and bought some Cordish Dixon Private Equity Fund III (CD3....

  The graph shows the average annual rate of return over the previous 20 years up to that date. Our target diversified portfolio has had a v...

Overview  This was the first year that our net worth fell since 2008. Investment returns were negative but the value of our house increased...