Household balance sheet
Where the household starts today (September 2026). The SMSF line is the portfolio at its latest marks; every other value can be edited in place.
Balance sheet
| Item | Value | Note |
|---|---|---|
| Dutchies SMSF | $983,537 | The portfolio, valued at the latest marks (30 October 2026) |
| MilitarySuper (MSBS) | Today's super-equivalent proxy of the deferred benefit (statement value $382,421) | |
| Fiorum family trust | Start-up equity, held at nil until realised | |
| Family home | Sydney | |
| HIQ earn-out | Incoming and tax free | |
| House loan | Assumed repaid from salary before retirement (salary savings otherwise excluded) | |
| Net wealth today | $8,433,537 |
Line of credit: $1,500,000 Available; modelled as drawn and carefully invested. Matched by debt, so it contributes its return net of borrowing costs, not $1.5m of balance sheet.
MilitarySuper (MSBS)
The deferred defined benefit and the election that must be lodged by around April 2043.
| Deferred defined benefit, super-equivalent at 60 (nominal) | $830k / $920k / $1,090k (low / base / high) |
| Pension from 60 | $36.8k a year nominal ≈ $27.7k a year real after tax, CPI-indexed for life, 67 per cent reversion to Tina |
| Election deadline (indexed pension vs lump sum) | Age 65 years 3 months — around April 2043, whichever retirement date is chosen |
| Pension conversion factors | 12 / 11 / 10 at ages 55 / 60 / 65 |
| Transfer balance cap credit at 60 | About $550k; Division 296 potentially relevant above $3m total super |
| Retiring at 70 | Benefit compounds untouched 60→70 at 4.5 / 5.5 / 6.5 per cent → $1.29m / $1.57m / $2.05m nominal at 70 |
Family
Ages render at birthdays in the year shown.
| Patrick | Turns 49 in January 2027; 60 = Jan 2038, 70 = Jan 2048, 85 = Jan 2063 (default hand-over) |
| Tina | Partner; pension reversion beneficiary; estate planning is joint |
| William | Currently 19 |
| Charlotte | Currently 15 |
Analysis and modelling for discussion, not personal financial advice.