Currently reading "Motivated Money"

that one was calculating the dividends to be re-invested into the same fund.

any good calculators you recommend?

 

I like using this one.

Early Retirement Calculator

Not sure if it answers all your questions, but gets you thinking about time frames.

 

In total it will have taken 11 years from buying our first home.

 

Don't care really. However, since we started our share portfolio by investing in VAS, the majority of that will come from dividends. However, I'm fine with selling down capital if necessary.

 

The typical rule of thumb assumes an 8-9% total return per year and a 3-4% draw down of capital as a viable proposition.

 

I'm checking out the VAS portfolio now as I'm trying to work out two separate ones to invest in.

i might go for a high dividend one and a high growth one.

checking out the below graph, Products,

does the "distribution return" mean dividends paid out?

 

That’s a serious walloping, well above the market drop. Was the 200% due to individual share picking? Leverage?

 

Distributions are paid by trusts, Dividends are paid by companies. For what you are getting at they are basically the same thing.

Two separate what's? ETFs? Why not just stick with VAS, or VAS + VGS if you want some international exposure.

 

Something to be aware of is that some people are highly critical of Peter Thornhill's opinions on investing. I'm not saying I agree or disagree with them, but I think it's worth keeping in mind that there are differences of opinion, especially about the importance of dividends and international shares.

If you're interested in reading alternative views, you can try looking at
Passive Investing Australia
An Analysis of the Thornhill Method Part 1: The Dividend Delusion : fiaustralia

 

Is this $160k including super or is super on top of this amount?

 

Super is on top of that amount and is just the regular 9.5% employer contribution.

The $160k is a mix of savings, dividends, work bonuses and tax return and was going entirely into VAS but recently has shifted over to VGS.

 

Never read the first two and quite a few years since I've read the last one.

Compress the lot into a few words.

Invest as much as you can for as long you can and be content with the outcome whatever it may be.

 

What funds you talking about? The average ones hardly sound like motivated money to me.

I recently got into a deal where I was buying shares for let’s say $2-5 a share. Now the things paying $4-5 dividends per annum. So if you had invested $100k using your example, you’d be getting $100-150k dividends a year. Take some motivation to find and assess such opportunities, so I’d call that motivated money.

 

lucky you - would you think that you could ever achieve the same result again?

i am a little conservative, however it could be good to dedicate a 10 or 20% component to the higher risk categories.

thanks.

 

Yea absolutely. You use the words lucky colloquially. While everything has luck involved, truth is these opportunities are everywhere. Are you looking hard enough for them? Some people get angry when I say that, but it’s true.

It’s like a bargain property. I’m sure we’ve all seen one. I’ve seen plenty, bought a few, not enough cash alas to buy them all. I bet there’s actually a bargain being sold every week in Australia, just a question of how hard you’re looking.