With the new year coming, Mrs Budget and myself have started to plan and budget out our finances for the upcoming new year. 

One of the spreadsheet that we have is that we have a portfolio projection sheet on our personal finance sheet. This is probably one of the most important spreadsheet for us as it serves as a guiding principle as to how much we will have at the end of every year, and with that amount, we are able to plan for our future life milestones.

It looks something like this:

Mr Budget’s portfolio projection

To arrive at this table, what we did was to create individual projection tables for each of our asset classes.

For example, for our Singapore portfolio, every year we project to have a capital injection and gain of S$30,000, along with a 5% dividend yield. With those assumptions, we are able to project

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