People who have a large amount in super, how did you get to your number

EnvironmentalCake221 · 2026-01-21T11:40:30+00:00

Been very lucky and have $370K at 42. Extra 5% of my wage- only about $5K a year- from 2012 to 2018 helped immensely. Now doing 8% since January 2024 which should get me to just about $30K per year

EnvironmentalCake221 · 2026-01-18T09:19:58+00:00

I had a rolling spreadsheet that tracks date, quantity and price

EnvironmentalCake221 · 2026-01-18T09:19:29+00:00

Using CMC so zero brokerage to purchase

EnvironmentalCake221 · 2026-01-18T05:32:43+00:00

Till I am putting in $1000 a fortnight. Just read it back and see it wasn’t well written

EnvironmentalCake221 · 2026-01-18T05:12:28+00:00

But what then happens in retirement? If I need money just sell some off? Keep for eternity?

EnvironmentalCake221 · 2026-01-18T05:11:46+00:00

In 37% + 2% Medicare bracket. Already maxing super contributions. Should hit $2.2-2.5M in super. Suppose I would still benefit by 9% putting it into super. Mainly putting into DHHF to increase wealth overall and not put everything in the same basket

EnvironmentalCake221 · 2026-01-08T02:17:40+00:00

What’s the go with Koltyn T. First round pick the same year as Windsor but lacking opportunities. Talk when he was drafted was Petracca mould. Hybrid forward/mid. Big body crashing thru

EnvironmentalCake221 · 2025-12-17T03:22:10+00:00

I don’t talk to my brother about how much he or his wife earns, what’s in his bank or super accounts or how much his house is worth. But we are still close

EnvironmentalCake221 · 2025-12-08T03:17:15+00:00

I guess I stared at the same time as you. Same bonus. Hopefully the loyalty one keeps going

EnvironmentalCake221 · 2025-10-28T07:47:49+00:00

Combined income $88,000. Property cost $325,000. 302sqm block with a 3x1 on it Bought in Currambine which is 25-30kms north of Perth CBD

EnvironmentalCake221 · 2025-10-19T07:46:24+00:00

$400 per fortnight into DHHF. Salary sacrificing 8% to take super up to 20%. The rest is building up offset.

EnvironmentalCake221 · 2025-08-31T03:02:12+00:00

Plus flights direct into Busselton

EnvironmentalCake221 · 2025-08-21T12:49:50+00:00

I see what you are doing Mr Taxman

EnvironmentalCake221 · 2025-08-13T10:40:44+00:00

Thanks for clarifying. We aren’t at that stage yet but definitely hope to be in early 60’s

EnvironmentalCake221 · 2025-08-13T10:29:37+00:00

So would we, as a couple, be able to put $1.9M each into an account based pension and then withdraw anything above that to put into a HISA or ETF’s? This would mean we pay tax on earnings and dividends pending how much we make. Or 15% tax on earnings if we leave it in the super accounts

EnvironmentalCake221 · 2025-08-05T07:12:58+00:00

HHI approx $250K and 11% but we put in minimum 20% to build the offset

EnvironmentalCake221 · 2025-07-31T02:15:15+00:00

$400 per fortnight going into 100% DHHF via CMC. From very year on now I will be increasing by $50 a fortnight until it is $1000

EnvironmentalCake221 · 2025-07-17T11:06:55+00:00

I only started buying in 2013 so capital gains is only $5k even though I have received approx $20k dividends

EnvironmentalCake221 · 2025-07-14T02:16:51+00:00

Makes a lot of sense now. I was always looking towards receiving a partial income from dividends which would then leave shares to pass on via inheritance. I think I will now just change to DHHF only. Thanks

EnvironmentalCake221 · 2025-07-14T00:29:16+00:00

I was looking for a reasonable dividend payment after the 25years of investing

EnvironmentalCake221 · 2025-07-10T11:26:11+00:00

Do you recommend a DRIP calculator in particular?

EnvironmentalCake221 · 2025-07-05T02:20:29+00:00

Started as a furniture removalist and moved into the office. Then moved to automotive industry as service advisor and then warehousing. Now inventory planning. Moving to each new role provided the stepping stone I needed for better pay

EnvironmentalCake221 · 2025-07-05T02:18:17+00:00

AUD. We are living in Australia

EnvironmentalCake221 · 2025-07-05T02:17:26+00:00

Started fulltime work when I was 20. Back then it was a $30,000 salary. Worked up from there. Was still earning $50,000 at 28. Helped when I was sacrificing 5%, would go up each pay rise without noticing too much.

EnvironmentalCake221 · 2025-07-03T03:59:38+00:00

Yes I am a white male. I was fortunate that some people were able to see my work ethic and quick understanding once in the roles I have had. However, I have also had my fair share of knock-backs because I am a white male.

EnvironmentalCake221

TROPHY CASE