💰 My Finance (MOE)

🚦 Dashboard

• Current focus: Portfolio maintenance + NHR compliance
• Health: good
• Last reviewed: 2026-04-22
• Key metric: Portfolio total value vs target allocation

📐 Standards

What does “good enough” look like in this area?

• Portfolio within 5% of target allocation for all positions
• Cash reserve 3-6 months expenses ($15-20k)
• NHR obligations tracked and met on time
• Tax filing (IRS + Portugal) completed without penalty
• No grid charging costs above €20/month (energy self-sufficiency)

📊 Metrics / Indicators

Indicator	Target	Source	Review
Portfolio total	Growth	finance.md	Weekly
VTI allocation	30%	finance.md	Weekly
AVUV allocation	32%	finance.md	Weekly
GOVZ allocation	12%	finance.md	Weekly
GLDM allocation	12%	finance.md	Weekly
DBMF allocation	10%	finance.md	Weekly
Cash buffer	$15-20k	finance.md	Monthly
Grid import cost	<€20/mo	energy.md	Monthly
NHR status	Active	Manual	Annual

🗓 Key Dates

• NHR expiry: [Phil to confirm exact date]
• IRS filing deadline: April 15 each year (extension to Oct 15)
• Portuguese IRS (Modelo 3): June each year
• Annual portfolio review: January

🧭 Investment Policy Statement

• Strategy: Factor investing (Fama-French small value tilt)
• Rebalance trigger: >5% drift from target (Shannon’s Demon)
• Withdrawal: [Phil to add rate and method]
• Risk tolerance: Long horizon, accept volatility for premium
• Currency: USD portfolio, EUR living expenses
• Tax consideration: NHR — check treatment of US dividends

📚 Key Resources

• Investment Policy Statement Portfolio
• Factor investing
• finance — live snapshot
• finance-summary — summary board

🔗 Related Projects

• 💸 My Taxes 2023 (MOE)

📓 Review Log

2026-04-22

• Knowlden finance automation live

• Portfolio tracking via Yahoo Finance + Shannon’s Demon rebalance

• NHR status to be confirmed

• In

  • My Investments

• Out

  • My Insurance
  • My Housing
  • My Medical
  • My Auto
  • My Bills
  • HEMS

• Big Out

  • 💸 My Taxes (MOE)

• Accounts

  • My Accounts

Many of these areas (like managing taxes) work well in basic computer folders, PDFs, and spreadsheets. You can link from here to there. Then these notes become your hubs and launchpads.

It’s fine to leave some documents or projects within apps that are better-suited to handle them. But notes about these documents or projects can help you further reflect, ideate, or push goals forward.

You might even find an excellent balance between managing projects and efforts outside of your core PKM tool, while spending time examining them in this space for a more mindful perspective.

---

Back to: Home

https://www.investopedia.com/trading/factors-influence-exchange-rates/