Investment Dashboard v3.4.1

SPYL Anchor · Mag6 Alpha · Strategic Earmarks · Active vs Legacy
ZONE 3 — NEUTRAL
Base operating zone
Refreshed: May 20, 2026 11:40 PHT · Next: May 21, 2026 14:00 PHT · Twelve Data + FRED
10yr − 3mo Treasury Spread
+0.93%
ZONE 3 — NEUTRAL
OU mean reversion target
+1.5% long-run
28%SPYL Anchor
64%Mag6 Alpha
2%SpaceX
2%Anthropic
4%SGOV Cash
1 · MONTHLY ALLOCATION TABLE Zone 3 · Deployable: $335,898 (Total $350,079 − BTC $14,180 legacy)
Deployment input (USD): Default = $12,820 monthly + $61 plain IBKR cash → matrix-weight distribution
Strict zone matrix at whole-portfolio level (Active + Legacy combined, BTC excluded as legacy hold). Allocation distributes by matrix weight, renormalized to under-target ("open") sleeves. Full deployment input is always placed — some sleeves may temporarily exceed target by a small margin (resolves on next allocation cycle). RED gap = action needed (under target). GREEN gap = at-target or over (Citi-locked positions, structural).
Ticker / Sleeve Target % Current $ Target $ Gap $ Live Price Allocation $ Shares Zone Action
SGOV
Cash + Earmarks (3 sub-allocations)
 8.00% $8,448 $26,872 +$18,424 — $1,590 — Allocate per matrix
Zone 3 SGOV vehicle: 4% dry powder + 2% SpaceX + 2% Anthropic
├─ Cash Dry Powder
SGOV sub-allocation
 4.00% $8,448 $13,436 +$4,988 — $795 — Allocate per matrix
Reserve for dip triggers and zone transitions
├─ SpaceX
SGOV sub-allocation
 2.00% $0 $6,718 +$6,718 — $398 — Hold in SGOV
Hold as tagged SGOV until SpaceX IPO
└─ Anthropic
SGOV sub-allocation
 2.00% $0 $6,718 +$6,718 — $398 — Hold in SGOV
Hold as tagged SGOV until Anthropic IPO
NVDA
Mag6 Alpha
 16.00% $33,315 $53,744 +$20,429 $220.63 $3,181 14 Buy Aggressively
MSFT
Mag6 Alpha
 12.80% $27,141 $42,995 +$15,854 $417.56 $2,545 6 Buy Aggressively
SPYL
Anchor
 28.00% $93,170 $94,052 +$881 $18.18 $5,566 306 DCA Buy Fixed
Includes all VOO holdings (legacy + active) at whole-portfolio level
AMZN
Mag6 Alpha
 7.68% $25,942 $25,797 $-145 $259.42 — OVER (locked) Buy Systematically
Citi legacy overlay — whole-portfolio basis
META
Mag6 Alpha
 12.80% $48,220 $42,995 $-5,225 $602.75 — OVER (locked) Buy Aggressively
Citi legacy overlay — whole-portfolio basis
GOOGL
Mag6 Alpha
 9.60% $54,271 $32,246 $-22,025 $387.70 — OVER (locked) Hold — At Consensus
Citi legacy overlay — whole-portfolio basis
AAPL
Mag6 Alpha
 5.12% $40,063 $17,198 $-22,865 $298.98 — OVER (locked) Accumulate Slowly
Citi legacy overlay — whole-portfolio basis
TOTAL DEPLOYED $12,882 — Fully deployed
2 · HOLDINGS SNAPSHOT Active · Legacy · Total · YTD & life-to-date P&L
Active Holdings (IBKR)
$168,264
YTD+3.75%
Life-to-date G/L+$3,719 (+2.3%)
Positions7
Legacy Holdings (Citi + BTC)
$181,815
YTD+6.48%
Life-to-date G/L+$87,613 (+98.5%)
Positions12
Total Portfolio
$350,079
YTD+5.15%
Life-to-date G/L+$91,332 (+36.0%)
Active mix48% / 52%
Active Holdings — IBKR (drives Zone Matrix)
Account Ticker Shares Price Value YTD % LTD P&L LTD %
IBKR META 18 $602.75 $10,850 -8.7% $-167 -1.5%
IBKR MSFT 65 $417.56 $27,141 -13.7% +$115 +0.4%
IBKR NVDA 151 $220.63 $33,315 +18.3% +$1,059 +3.3%
IBKR SGOV 84 $100.57 $8,448 +0.2% +$1 +0.0%
IBKR SPYL 3,827 $18.18 $69,560 +7.6% +$788 +1.1%
IBKR VOO 28 $674.59 $18,889 +7.6% +$1,924 +11.3%
IBKR CASH — — $62 +0.0% +— —
Legacy Holdings — Citi (frozen) + BTC (never add)
Account Ticker Shares Price Value YTD % LTD P&L LTD %
Citi 401k AMZN 100 $259.42 $25,942 +12.4% +$9,591 +58.7%
Citi 401k GOOG 141 $384.90 $54,271 +22.7% +$36,969 +213.7%
Citi 401k META 25 $602.75 $15,069 -8.7% +$6,842 +83.2%
Citi 401k CASH — — $59 +0.0% +— —
Citi Roth AAPL 134 $298.98 $40,063 +10.0% +$23,039 +135.3%
Citi Roth META 25 $602.75 $15,069 -8.7% +$6,570 +77.3%
Citi Roth CASH — — $179 +0.0% +— —
Citi Brokerage META 12 $602.75 $7,233 -8.7% +$5,383 +291.0%
Citi Brokerage VOO 7 $674.59 $4,722 +7.6% +$2,003 +73.7%
Citi Brokerage CASH — — $737 +0.0% +— —
Citi Retirement Plan CASH — — $4,290 +0.0% +— —
Crypto (BTC) BTC 0.1849 $76,703.99 $14,180 -13.6% $-2,783 -16.4%
3 · PORTFOLIO PERFORMANCESPYL anchor vs Mag6 alpha vs Total Portfolio (index = 100 at base)
Scale
SPYL · S&P Anchor Mag6 · Alpha (conviction-weighted) My Portfolio · Active + Legacy Projection
4 · FAIR VALUE ASSESSMENT Twelve Data live · Analyst consensus · Zone 3 actions
NVDA
NVIDIA Corporation
Strong Buy
PRICE
$221
TARGET
$270.73
UPSIDE
+22.7%
Low $195.00CurrentHigh $360.00
Fwd P/E
25.9x
Rev Growth
+73.2%
Analysts
37
Zone 3 Action
Buy Aggressively
Target Weight25% of Mag6 (16.00% of active)
DeploymentBuy per zone matrix
MSFT
Microsoft Corporation
Strong Buy
PRICE
$418
TARGET
$569.46
UPSIDE
+36.4%
Low $415.00CurrentHigh $680.00
Fwd P/E
22.0x
Rev Growth
+18.0%
Analysts
37
Zone 3 Action
Buy Aggressively
Target Weight20% of Mag6 (12.80% of active)
DeploymentBuy per zone matrix
META
Meta Platforms Inc.
Strong Buy
PRICE
$603
TARGET
$836.39
UPSIDE
+38.8%
Low $700.00CurrentHigh $1,015.00
Fwd P/E
19.5x
Rev Growth
+33.1%
Analysts
36
Zone 3 Action
Buy Aggressively
Target Weight20% of Mag6 (12.80% of active)
DeploymentBuy per zone matrix
GOOGL
Alphabet Inc.
Strong Buy
PRICE
$388
TARGET
$427.00
UPSIDE
+10.1%
Low $190.00CurrentHigh $515.00
Fwd P/E
27.8x
Rev Growth
+21.8%
Analysts
45
Zone 3 Action
Hold — At Consensus
Target Weight15% of Mag6 (9.60% of active)
DeploymentBuy per zone matrix
AMZN
Amazon.com Inc.
Strong Buy
PRICE
$259
TARGET
$306.00
UPSIDE
+18.0%
Low $250.00CurrentHigh $370.00
Fwd P/E
31.7x
Rev Growth
+16.6%
Analysts
41
Zone 3 Action
Buy Systematically
Target Weight12% of Mag6 (7.68% of active)
DeploymentBuy per zone matrix
AAPL
Apple Inc.
Buy
PRICE
$299
TARGET
$304.16
UPSIDE
+1.7%
Low $215.00CurrentHigh $400.00
Fwd P/E
30.0x
Rev Growth
+16.6%
Analysts
30
Zone 3 Action
Accumulate Slowly
Target Weight8% of Mag6 (5.12% of active)
DeploymentBuy per zone matrix
SPYL
SPDR S&P 500 UCITS ETF
DCA BUY
PRICE
$18.18
TARGET
$18.00
UPSIDE
-1.0%
Low $14.34CurrentHigh $18.53
Div Yield
—
52w High
$18.53
52w Low
$14.34
Zone 3 Action
DCA Buy Fixed
Target Weight28% Anchor (Z3)
DeploymentDCA fixed monthly
DIP TRIGGER (vs 52w peak $18.53)
-1.9%
Within normal range
0%-10% T1-20% T2-30% T3
BTC
Bitcoin (Legacy Hold)
Legacy Hold
PRICE
$76,704
TARGET
$100,000
UPSIDE
+30.4%
Low $62,791CurrentHigh $124,720
Market Cap
~$1.6T
52w High
$124,720
52w Low
$62,791
Zone 3 Action
Hold (Legacy)
Target WeightLegacy hold
DeploymentNo new capital
CYCLE DRAWDOWN (vs 52w peak $124,720)
-38.5%
Strategy: legacy hold — never add
Twelve Data live · Analyst consensus from stockanalysis.com / tipranks.com · SPYL target = Wall St 2026 S&P consensus implied · BTC target = Stock-to-Flow model range · PEG = Fwd P/E ÷ Revenue growth · Zone actions per strategy.md · Not investment advice
5 · MACRO OVERLAY — YIELD CURVE Zone boundaries: 0% · 0.5% · 1.21% · 2.0%
10yr−3mo spread
OU projection → 1.5% mean
Zone 1 (inverted)
Zone 2
Zone 4+
FX Rate: ₱61.6890 / $1 Google Finance (Sheet)
TOTAL ASSETS
$1,427,747
−
TOTAL LIABILITIES
$-35
=
NET WORTH
$1,427,782
ASSETS · BY CATEGORY Auto-synced from holdings.json + cashflow.json
Category / Line Item Value % of Assets Notes
Real Estate $486,310 34.1%
├─ LeMetropole Condo (₱30,000,000 native) $486,310 — Estimated market value per comps
Investment Accounts — Active $168,264 11.8%
├─ IBKR $168,264 — Active strategy universe
Investment Accounts — Legacy $181,815 12.7%
├─ Citi 401k $95,341 — Frozen / hold indefinitely
├─ Citi Roth $55,311 — Frozen / hold indefinitely
├─ Citi Brokerage $12,692 — Frozen / hold indefinitely
├─ Citi Retirement Plan $4,290 — Frozen / hold indefinitely
├─ Crypto (BTC) $14,180 — Frozen / hold indefinitely
Other Investments $358,249 25.1%
├─ SPM Fund (₱22,100,000 native) $358,249 — Liquidating gradually to IBKR
Esel — Investments $115,882 8.1%
├─ Fidelity 401k (Esel) $83,461 — FXAIX 324.147 shares. Cost basis $33,523.50. Auto-updated via Google Finance.
├─ Time Deposits (Esel) (₱2,000,000 native) $32,421 — Placeholder — incomplete
Vehicles $60,789 4.3%
├─ Toyota Fortuner 2021 (₱1,300,000 native) $21,073 — Estimated resale value per comps
├─ Kia Carnival 2024 (₱2,450,000 native) $39,715 — Estimated resale value per comps
Business Equity $16,210 1.1%
├─ Pickup Coffee (Taytay) (₱1,000,000 native) $16,210 — Book value / equity
Cash Accounts $40,228 2.8%
├─ Citi USD Account $8,446 —
├─ PayPal $599 —
├─ Maya Savings (₱158,379 native) $2,567 —
├─ Maya Wallet (₱5,000 native) $81 —
├─ GCash Wallet (₱1,801 native) $29 —
├─ BPI Checking (₱1,563,079 native) $25,338 —
├─ BPI Savings (₱57,800 native) $937 —
├─ Metrobank Checking (₱7,945 native) $129 —
├─ Metrobank Savings (₱129,665 native) $2,102 —
TOTAL ASSETS $1,427,747 100.0%
LIABILITIES Credit card balances + other debts
Line Item Balance Owed Credit Limit Notes
Citi Premiere CC $-35 $8,900 Balance owed. Limit: $8900
BDO CC $0 $54,294 Balance owed. Limit: ₱3350000
Maya Black CC $0 $8,104 Balance owed. Limit: ₱500000
Maya Landers CC $0 $8,104 Balance owed. Limit: ₱500000
TOTAL LIABILITIES $-35 —
Balance Sheet auto-syncs from Google Sheets Balance_Sheet tab + holdings.json × live prices. Cashflow and Projection tabs use Cashflow, Major_Cashouts, and Settings tabs. PHP values converted at FX rate from Settings tab (GOOGLEFINANCE) or Twelve Data fallback.
FX Rate: ₱61.6890 / $1
1 · ANNUAL SUMMARY Three views of yearly surplus
Cash Surplus
Income − Expenses (Sheet totals)
Income₱24,038,637
Expenses₱13,072,709
₱10,965,928
Total Wealth Growth
Cash surplus + unrealized investment gains (9.0% on liquid)
Cash Surplus₱10,965,928
Inv. Gains (est.)₱2,587,016
₱13,552,944
Active Income Surplus
Work-driven (excludes SPM ₱1,897,000 interest)
Active Income₱22,141,637
Expenses₱13,072,709
₱9,068,928
2 · MONTHLY BREAKDOWN Income/expenses distributed by frequency · Annual lumps → January
Income
Expenses
Net Cashflow
3 · CATEGORY DRILLDOWN Click any category row to expand line items
INCOME · ₱24,038,637 annual
Category / Line ItemAnnualDetail
▸ Salary ₱20,131,637 2 items
├─ Maya Net Salary (annual) ₱13,682,792 Net of taxes
├─ Security Bank Net Salary (annual) ₱6,448,845 Net of taxes
▸ Investment ₱2,107,000 2 items
├─ SPM Fund Annual Interest (annual) ₱1,897,000 7% on $27.1M managed
├─ SPM Fund Annual Admin Fee (annual) ₱210,000 0.5% on $42M total managed
▸ Consultancy ₱1,800,000 1 item
├─ BigE Monthly Retainer (monthly) ₱1,800,000
EXPENSES · ₱13,072,709 annual
Category / Line ItemAnnual% / Detail
▸ Travel ₱3,500,000 26.8% · 2 items
├─ Family Vacation - Domestic (annual) ₱500,000 Annual
├─ Family Vacation - International (semi-annual) ₱3,000,000 Twice a year
▸ Food ₱2,100,000 16.1% · 4 items
├─ Palengke (monthly) ₱600,000 Monthly
├─ Grocery (monthly) ₱600,000 Monthly
├─ Grab Delivery (monthly) ₱300,000 Monthly
├─ Restaurants (monthly) ₱600,000 Monthly
▸ Education ₱1,690,225 12.9% · 3 items
├─ Everest - Maria (annual) ₱570,554 Annual tuition
├─ Everest - Luna (annual) ₱549,117 Annual tuition
├─ Everest - Felipe (annual) ₱570,554 Annual tuition
▸ Employees ₱1,020,000 7.8% · 3 items
├─ Riza (monthly) ₱300,000 Monthly
├─ Maricel (monthly) ₱300,000 Monthly
├─ Ronaldo (monthly) ₱420,000 Monthly
▸ Baby Anul ₱1,000,000 7.6% · 1 item
├─ Mama Health & Maternity (annual) ₱1,000,000 One-time 2026
▸ Special Events ₱700,000 5.4% · 10 items
├─ Maria Birthday (annual) ₱50,000 Annual
├─ Luna Birthday (annual) ₱50,000 Annual
├─ Pepe Birthday (annual) ₱50,000 Annual
├─ Mothers Day (annual) ₱50,000 Annual
├─ Gelo Birthday (annual) ₱50,000 Annual
├─ Esel Birthday (annual) ₱50,000 Annual
├─ Anniversary (annual) ₱50,000 Annual
├─ Fathers Day (annual) ₱50,000 Annual
├─ Valentines (annual) ₱50,000 Annual
├─ Christmas Gifts (annual) ₱250,000 Annual
▸ General Shopping ₱700,000 5.4% · 5 items
├─ Maria (annual) ₱100,000 Annual
├─ Felipe (annual) ₱100,000 Annual
├─ Luna (annual) ₱100,000 Annual
├─ Esel (annual) ₱300,000 Annual
├─ Gelo (annual) ₱100,000 Annual
▸ Insurance ₱529,903 4.1% · 7 items
├─ Gelo - Prudential Life (annual) ₱82,348 Annual
├─ Gelo - Prudential SG Disability (annual) ₱107,744 Annual
├─ Esel - Prudential SG Life+Dis (annual) ₱124,084 Annual
├─ AXA Health Insurance (annual) ₱129,377 Annual
├─ Car Insurance - Kia (annual) ₱61,009 Annual
├─ Car Insurance - Toyota (annual) ₱18,994 Annual
├─ Condo Insurance (annual) ₱6,347 Annual
▸ Car ₱474,000 3.6% · 5 items
├─ KIA Maintenance (annual) ₱75,000 Annual
├─ Fortuner Maintenance (annual) ₱75,000 Annual
├─ Gas (monthly) ₱240,000 Monthly
├─ BelAir Sticker (annual) ₱12,000 Annual
├─ Somerset Parking (monthly) ₱72,000 Monthly
▸ Exercise ₱473,600 3.6% · 5 items
├─ Esel - Proforma (monthly) ₱120,000 Monthly
├─ Esel - Pilates (monthly) ₱120,000 Monthly
├─ Gelo - PT (monthly) ₱153,600 Monthly
├─ Gelo - Supplements (quarterly) ₱40,000 Quarterly
├─ Makati Sports Membership (annual) ₱40,000 Annual
▸ Rent ₱266,246 2.0% · 2 items
├─ Condo Dues (quarterly) ₱237,490 Quarterly
├─ Real Estate Taxes (annual) ₱28,756 Annual
▸ Utilities ₱229,188 1.8% · 3 items
├─ Electricity (monthly) ₱180,000 Monthly
├─ PLDT Internet (monthly) ₱25,188 Monthly
├─ Water (monthly) ₱24,000 Monthly
▸ Kids Lessons ₱180,000 1.4% · 3 items
├─ Maria (monthly) ₱60,000 Monthly
├─ Felipe (monthly) ₱60,000 Monthly
├─ Luna (monthly) ₱60,000 Monthly
▸ Condo Maintenance ₱156,000 1.2% · 5 items
├─ General Cleaning (semi-annual) ₱60,000 Semi-annual
├─ AC Cleaning (3×/yr) ₱36,000 Tri-annual
├─ Pureit (6×/yr) ₱15,000 Bimonthly
├─ Laundry (semi-annual) ₱5,000 Semi-annual
├─ Random Fixes (quarterly) ₱40,000 Quarterly
▸ Dental ₱30,000 0.2% · 5 items
├─ Maria (3×/yr) ₱6,000 Per visit x3
├─ Felipe (3×/yr) ₱6,000 Per visit x3
├─ Luna (3×/yr) ₱6,000 Per visit x3
├─ Papa (3×/yr) ₱6,000 Per visit x3
├─ Mama (3×/yr) ₱6,000 Per visit x3
▸ Digital ₱23,547 0.2% · 6 items
├─ HBO Max (annual) ₱2,790 Annual
├─ Disney+ (annual) ₱1,899 Annual
├─ YouTube (monthly) ₱2,268 Monthly
├─ Spotify (monthly) ₱3,348 Monthly
├─ Apple Cloud (monthly) ₱7,188 Monthly
├─ Google Cloud (annual) ₱6,054 $99.99/yr
FX Rate: ₱61.6890 / $1
SCENARIO:
+ Edit in Sheet
1 · SCENARIO SUMMARY Base items always counted · Education varies by scenario
TOTAL CASHOUTS · Base only
$1,984,482
44 items across 16 years
BY CATEGORY
Education
$630,000
32% of total
Family
$155,000
8% of total
Retirement
$100,000
5% of total
Transport
$90,000
5% of total
Health
$17,241
1% of total
BY DECADE
2020s
$94,482
2030s
$1,690,000
2040s
$200,000
2 · CASHOUT DETAIL All items in active scenario · Sorted by year
Year Item Amount Category Scenario Notes
2026 Baby Anul (Maternity + first year) $17,241 Health base ₱1M total
2026 Baby Anul (Maternity + first year) $17,241 Health base ₱1M total
2028 Parents medical support buffer $30,000 Family base Recurring need
2028 Parents medical support buffer $30,000 Family base Recurring need
2030 Car Replacement (Fortuner) $40,000 Transport base Estimate
2030 Car Replacement (Fortuner) $40,000 Transport base Estimate
2030 Maria - High School transition costs $10,000 Education base estimate placeholder
2030 Maria - High School transition costs $10,000 Education base estimate placeholder
2031 Luna - High School transition costs $10,000 Education base estimate placeholder
2031 Luna - High School transition costs $10,000 Education base estimate placeholder
2032 Parents medical support buffer $50,000 Family base Recurring need
2032 Parents medical support buffer $50,000 Family base Recurring need
2032 Felipe - High School transition costs $10,000 Education base —
2032 Felipe - High School transition costs $10,000 Education base —
2033 Maria - College Year 1 $50,000 Education base US college estimate
2033 Maria - College Year 1 $50,000 Education base US college estimate
2034 Maria - College Year 2 $50,000 Education base —
2034 Luna - College Year 1 $50,000 Education base US college estimate
2034 Car Replacement (Kia Carnival) $50,000 Transport base Estimate
2034 Maria - College Year 2 $50,000 Education base —
2034 Luna - College Year 1 $50,000 Education base US college estimate
2034 Car Replacement (Kia Carnival) $50,000 Transport base Estimate
2035 Maria - College Year 3 $50,000 Education base —
2035 Luna - College Year 2 $50,000 Education base —
2035 Felipe - College Year 1 $50,000 Education base —
2035 Maria - College Year 3 $50,000 Education base —
2035 Luna - College Year 2 $50,000 Education base —
2035 Felipe - College Year 1 $50,000 Education base —
2036 Parents medical support buffer $75,000 Family base Recurring need
2036 Parents medical support buffer $75,000 Family base Recurring need
2036 Maria - College Year 4 $50,000 Education base —
2036 Luna - College Year 3 $50,000 Education base —
2036 Felipe - College Year 2 $50,000 Education base —
2036 Maria - College Year 4 $50,000 Education base —
2036 Luna - College Year 3 $50,000 Education base —
2036 Felipe - College Year 2 $50,000 Education base —
2037 Luna - College Year 4 $50,000 Education base —
2037 Felipe - College Year 3 $50,000 Education base —
2037 Luna - College Year 4 $50,000 Education base —
2037 Felipe - College Year 3 $50,000 Education base —
2038 Felipe - College Year 4 $50,000 Education base —
2038 Felipe - College Year 4 $50,000 Education base —
2040 Retirement transition (lifestyle shift) $100,000 Retirement base Estimate
2040 Retirement transition (lifestyle shift) $100,000 Retirement base Estimate
3 · NET WORTH IMPACT All three scenarios overlaid · Toggle above shifts emphasis
FX Rate: ₱61.6890 / $1
PROJECTION ASSUMPTIONS From Settings tab · Editable in Sheet
5.0%Salary Growth
4.0%Expense Inflation
9.0%Investment Return
15yHorizon
$1,428KStarting Net Worth
1 · CASHOUT TIMELINE Bubble size = amount · Hover for details
2 · YEAR-BY-YEAR Net worth trajectory with cashout impact
Year Net Worth (EOY) Cashout Running Total Items
2026 ₱105.9M ₱1.1M ₱1.1M Baby Anul (Maternity + first year) ($17K)
2027 ₱127.1M — ₱1.1M —
2028 ₱149.0M ₱1.9M ₱2.9M Parents medical support buffer ($30K)
2029 ₱175.6M — ₱2.9M —
2030 ₱202.2M ₱3.1M ₱6.0M Car Replacement (Fortuner) ($40K), Maria - High School transition costs ($10K)
2031 ₱234.6M ₱0.6M ₱6.6M Luna - High School transition costs ($10K)
2032 ₱267.7M ₱3.7M ₱10.3M Parents medical support buffer ($50K), Felipe - High School transition costs ($10K)
2033 ₱305.3M ₱3.1M ₱13.4M Maria - College Year 1 ($50K)
2034 ₱341.1M ₱9.3M ₱22.7M Maria - College Year 2 ($50K), Luna - College Year 1 ($50K), Car Replacement (Kia Carnival) ($50K)
2035 ₱381.3M ₱9.3M ₱31.9M Maria - College Year 3 ($50K), Luna - College Year 2 ($50K), Felipe - College Year 1 ($50K)
2036 ₱421.5M ₱13.9M ₱45.8M Parents medical support buffer ($75K), Maria - College Year 4 ($50K), Luna - College Year 3 ($50K), Felipe - College Year 2 ($50K)
2037 ₱474.3M ₱6.2M ₱52.0M Luna - College Year 4 ($50K), Felipe - College Year 3 ($50K)
2038 ₱536.1M ₱3.1M ₱55.0M Felipe - College Year 4 ($50K)
2039 ₱607.9M — ₱55.0M —
2040 ₱681.4M ₱6.2M ₱61.2M Retirement transition (lifestyle shift) ($100K)
2041 ₱769.2M — ₱61.2M —
3 · 15-YEAR NET WORTH PROJECTION Compound growth − major cashouts
Net Worth (with cashouts)
Without cashouts (reference)
Investment Dashboard · Twelve Data + FRED · Mag6: NVDA 25% / MSFT 20% / META 20% / GOOGL 15% / AMZN 12% / AAPL 8%
Yield curve: OU mean reversion μ=1.5% · Per strategy.md v3.0.0 · Not financial advice
v3.4.1 · 2026-05-13 · Generated May 20, 2026 11:40 PHT