How our assets are structured

Understanding the Two Graphs: FY25 vs FY26 Asset Allocation

These two graphs show how our wealth is distributed between illiquid assets (things we can’t easily access or convert to cash) and liquid assets (cash or investments we can use whenever we choose). This matters because the way your wealth is structured directly affects your lifestyle, cashflow, and financial flexibility.

FY25 – 91.8% Illiquid Assets

In FY25, 91.8% of our net wealth was tied up in illiquid assets, and here’s why that’s important:

• 21.8% in Superannuation this is locked away until age 60. It’s great for retirement, but it doesn’t help with today’s financial decisions.
• 27.9% in our family home I use the analogy: you can’t take out a brick and eat it. Your home builds wealth, but it doesn’t provide spendable cash unless you sell or downsize.
• 42.1% in investment properties a strong long‑term position, but it comes with debt that requires ongoing income to service. This creates a cashflow dependency you must keep working to maintain it.

The takeaway: Most of our wealth was locked in assets we couldn’t access, and a large portion required income to support. This is the same situation many families face: wealth tied up in the home, but not available for day‑to‑day life.

FY26 – 76.6% Illiquid Assets

In FY26, the picture improved. We reduced our illiquid asset share to 76.6%, meaning:

• An extra 15.2% of our wealth is now liquid this gives us more freedom we can use these funds to live life, invest, or create additional income streams.
• Cashflow has improved with less debt to service, we have more breathing room and less financial pressure.
• Our overall risk has decreased a more balanced portfolio means we’re less exposed to market swings, interest rate changes, and income dependency.

The Plan Moving Forward

Over time, our goal is to continue increasing the percentage of liquid assets. This helps us:

• De‑risk our financial position
• Improve cashflow
• Build a lifestyle on our terms
• Make choices based on freedom, not financial pressure

Everyone’s goals are different this is simply ours. The purpose of sharing this is to help you understand how your own wealth is structured so you can make informed decisions about your financial wellbeing.

Note: This is general information based on our personal goals. It should not be used to assess your own circumstances. For personalised advice, speak with a licensed financial professional.

Property Sourcing Work

Below is the link to the company I’m working with to source investment properties for investors. This work keeps me busy in my spare time, if you’d like to know more, feel free to reach out I can be contacted on 0413 898 754:

The Wealth Engineers | Australia’s Leading Property Buyer Agency