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Catherine McDermott
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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
Age

55-64 years old

Gender

Female

8 Followers

0 Following

About

Goals

Philosophy

Portfolio

Automating into

Super fund

Banking with

Status level

About

Our focus is on disciplined portfolio construction, capital preservation and building sustainable income to support financial independence through changing market cycles.

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

Total number of pearls collected

7,215