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Catherine McDermott
Catherine McDermott
I am a mother of three adult children and have recently stepped away from full-time work. While I am not old enough to access superannuation, my husband and I actively manage our SMSF together, which provides a reliable and growing income stream through his pension. We take a structured approach to investing: our core, long-term LIC holdings are held via CommSec to deliver dependable, fully franked income, while Pearler is used for ETFs and selective higher-risk investments. Profits from these more speculative positions are progressively recycled into high-quality, income producing assets to strengthen long-term cashflow and capital resilience.
8 Followers
0 Following
Australia
Location
Australia
Age
55-64 years old
Gender
Female
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Personal details
Personal details
Age
55-64 years old
Gender
Female
8 Followers
0 Following
About
About
Our focus is on disciplined portfolio construction, capital preservation and building sustainable income to support financial independence through changing market cycles.
Portfolio
Portfolio
Trust/SMSF
97%
Investments
3%
Trust/SMSF
97%
IVV
38%
VEU
30%
VGE
19%
IXJ
10%
AAA
2%
Investments
3%
AMI
100%
Target Structure: 50-65% LICs (Income Fortress) - AFI, ARG, BKI, WHF & SOL (pay pension, grow income > CPI, dampen volatility) 20% Global ETFs (Global Insurance) - VEU, VGE, IVV, DFND (Currency hedge, geopolitical insurance, regime protection) 5-10% Growth (Growth Optionality)- PME, MAF - (long-term upside without income dependence) Balance Cash (Liquidity & Shock Absorber)- AAA & cash - (psychological safety, dry powder & pension buffer - aim is 12-18 months of living expenses)
Status level
Status level
Total number of pearls collected