Portfolio position

Current assets and debt opens with Total assets, Less debt and Net position, each at the date in the page header.

Total assets adds up four kinds. Asset mix shows each one's share.

• Property: each property at its latest recorded value, or its PropRetire value where the market evidence is newer.
• Other investments: shares, a car and other assets at their latest recorded value. Nothing moves them between records.
• Super and Cash: each account at its latest balance, carried forward by the recorded income, spending and contributions since. Cash includes offset accounts.

Less debt adds up every loan balance and HELP debt, before offsets. The Mitchells owe $1,542,396 in loans and $17,300 in HELP debt. A loan balance moves on with its scheduled repayments.

Net position is not cash you can spend. Much of it is in property, super, a company, a trust or a fund.

The sentence under the totals compares today with the last month end. It names the record whose change moved the position most in the same direction. It says mostly from when that record is more than half the move, and led by when it is less.

On 30 Sept 2026 the Mitchells' net position was $5,991,030. On 4 Oct 2026 it is $6,014,743. The page says Net position is up $23,714 since 30 Sept 2026, mostly from Mitchell offset.

Changes since last month end lists each record that moved, largest first. Together they add up to the move. A loan that fell shows as a fall, though it lifts the position.

The note under each record names the figure that moved: Value, Balance, Debt or HELP debt. Then it says how it moved.

• Estimated: the recorded income and spending carried a balance forward.
• Scheduled repayments: a loan's repayments lowered its balance.
• PropRetire value: market evidence moved a property's value.
• Indexed: a HELP debt's yearly indexation.
• The figure alone: a newer figure was recorded.

Monthly position draws Net position, Assets and Debt at each of the last 12 month ends and today. Each chart has its own scale. Its expanded view lists the figures for each date.

Monthly cashflow shows an average month of this financial year. Cash received less Cash paid is the Monthly cashflow, before the yearly tax settlement. Every amount is taken as recorded, with no growth and no allowance for vacancy.

• Cash received is pay after the tax withheld from it, rent, other income such as dividends, and contributions a fund receives.
• Cash paid is living expenses, loan interest and principal, operating costs, fund expenses, contributions tax and other cash paid.

Two pie charts show each kind's share of cash received and of cash paid.

Rentals lower tax and HELP by Rentals lower tax and HELP by How much the rentals change this year's estimated tax and HELP. It compares the estimate with and without the rental activity. It settles after 30 June, so it is not in the average month. compares each owner's estimated tax with and without their rentals. A positive figure lowers the estimate.

Emma's rentals lower her tax and HELP by $4,750. Daniel's and the fund's raise theirs. Added together, the rentals lower the household's estimate by $475 a year.

Cash held by legal owner shows the cash each owner holds, a joint account by share. The trust and the company read Not personal spending money, and the fund reads Super access rules apply. Monthly cashflow by legal owner shows what each one has left. An owner who runs short has a note in the working, such as At the $262 a month they run short, it lasts 202.4 months.

The expanded view adds Monthly cashflow after tax, which spreads the yearly tax settlement over 12 months. The Mitchells' is +$9,658. Current cashflow and cash forecast explains each line.

Retirement projection shows once a retirement plan is saved. It runs the retirement plan's Keep everything strategy from its date to its end.

• Cash runs out: the first day a person's cash falls below $0, or Never. Cash is topped up on the first of each month, so this date is always a 1st.
• Closing cash: every owner's cash at each 30 June, added together.
• Net position: assets less debt at each 30 June, before tax.

The Mitchells' retirement plan runs from 1 July 2026 to 30 June 2058.

Each chart's expanded view lists the figure at each 30 June. The amounts are not adjusted for inflation.

When the retirement plan falls short, a sentence says how much more cash it would need over the retirement plan to keep spending as planned, with Review the retirement plan.

Debt and equity sets the property value beside the debt borrowed for it.

• Equity: the property value less the linked debt, before selling costs and tax.
• Linked debt: the part of each loan recorded as used for a current property.
• Debt to value: the linked debt divided by the property value.

Debt after offsets by loan draws each loan's debt after offsets Debt after offsets Balance less linked offset cash. Interest is charged on this amount. The offset cash stays a separate cash asset and does not repay the loan. . The Mitchell home loan reads $445,000 balance less $332,763 in offsets, which is $112,237. Its expanded view, Debt detail, lists each loan's Balance, Linked offsets and Debt after offsets.

Ownership and access shows each legal owner's net position, such as Daniel's $2,220,450, from $2,667,095 of assets less $446,645 of debt. A jointly held asset or loan counts by share. The expanded view splits each owner's assets into Property, Cash, Super and Other investments.

By ownership type sorts the same total by how it is held.

Company, trust and super assets are not free for personal spending. What you can reach, and when explains each group.

Property market evidence shows where local market evidence covers your properties.

• Portfolio property value shows the PropRetire value: each recorded value, moved with local market evidence for the same home type. Beside it are the Recorded value used and the move Since recorded. Where the market data ends earlier, the value is held unchanged after it.
• Suburb scores gives each property's suburb score for its home type, out of 100, and the portfolio's, weighted by property value. Suburb research explains the scores.

Where no evidence is published yet, the part says so. The Mitchells' page reads Market evidence for a PropRetire value of every property is not published yet. Their recorded values are used everywhere else.

• Download PDF saves the page as a PDF file.
• In a Business account, Send report emails the client a secure link to it. Reports and secure links explains how.
• Edit portfolio changes the portfolio's name and email. In a Business account it reads Edit client.

A missing figure is never read as zero. The page says why, and what to record.

• A figure that cannot be worked out reads Unavailable. Select it to read why.
• When the records cannot support a month, Monthly cashflow reads Cashflow unavailable and names what to record.
• With no saved retirement plan, the retirement part reads No saved retirement plan and moves to the end of the page. Projection unavailable names what the retirement plan needs.
• With no property held, the page shows the totals alone and says No property is held at the as-at date, so only the totals above show.

Setup lists every record a result is waiting on. Records that need a newer figure explains which figures age.