Ok, I know, I know. Systems are all the rage these days and goals are so passe. Not to mention that investment returns are largely out of our control. In a bull market, it’s really hard for a portfolio to turn red and in a bear market, the reverse holds even truer.

But I still feel that there is some value to be had from establishing some sort of a yearly target to aim at. Perhaps if I put it out there, the universe will align itself and help us to attain it?

More likely, with a target/goal, we will at least subconsciously push ourselves towards achieving it. For example, when I can envision the finish line, it almost always makes it easier for me to continue running.

So really, no harm establishing one for our portfolio.

Assumptions

Annual Portfolio Return: 6% on average

• The entire portfolio stands at $400,000 as at April ...