Skip to content What a roller coaster of a month! At one point in January, I genuinely thought I was heading to the moon. The portfolio was up roughly $15k at the peak… everything was humming along nicely until the final few days of the month wiped out gains in a matter of sessions. Classic market behaviour in the works!
Despite the volatility, I’m still a firm believer in time in the market. I continued to DCA into my planned allocation without hesitation. For 2026, I’ve decided on a few tweaks:
Increasing EM exposure via BEMG to 5% (currently under 2%)
Lifting satellite exposure to ~4% (will write about those bets separately)
Lifting both BTC and GOLD exposure toward ~8% each
Nothing dramatic, just incremental adjustments to reflect where I see opportunity over the next few years.
Superfund – SMSF
Balance: $249,562.81 (down $1,662.18)
Comment: Topped up funds into BEMG this month as part of increasing emerging markets exposure. Overall performance was dragged lower mainly due to weak crypto performance across the portfolio.
Long-Term ETF – NAB Equity Builder
Balance: $184,300.59 (down $1,986.49)
Debt: ~$97,700
Equity: ~$86,500
Monthly repayment: ~$1,500 (approx. $600 interest, rest equity)
Comment: Received $312.06 in dividends this month, which helped me feel better!
Wifey Portfolio – Betashares Direct + Stake
Balance: $114,836.64
Comment: Quite a bit of movement this month. I sold out of MXT and MA1 LITs (~$10k each), which were previously generating monthly distributions. I only kept GCI within Stake. The main reason was to prepare dry powder for a potential buy the dip scenario which in hindsight, turned out to be good timing.
I redeployed $10k straight back into Betashares during the dip, mainly adding to BTC, ETH, PMGOLD, and introducing EXUS, which is a new addition for 2026. My US exposure is already strong, so going forward I’ll be intentionally building more international ex-US exposure. There’s also $10k sitting in cash ready for redeployment in February. I will combine these two sections going forward.
School Fee Portfolio – Tiger
Balance: $25,815.22 (up $1,477.36)
Comment: The thematic ETFs performed decently this month, which gave this newer portfolio a solid boost. Still early days, but compounding is starting to show small signs of life.
📊 Total Portfolio Summary
Gross Funds: $574,615.26
Net Equity: $476,868.07
This Month’s Loss: – $1,274.27
