
Portfolio update #5 (Sep '26)
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Posting my regular quarterly update.
- Portfolio Execution:
* Didn't add any new shares this quarter. Placed an eye on buying at $57, but was a bit late pulling the trigger and missed it.
* Sticking with my simple buy and hold approach started back in Nov 2021 (with aggressive buying through 2023-2024). 0 withdrawals so far.
- The Mental Pivot:
My next target is $650k. Once I cross that mark, I’m planning to start withdrawing 0.2% monthly (~2.4% annualized).
Because my active income fully covers my expenses, I don't need this cashflow. But I’ve realized that after years of pure accumulation, saving has become auto-pilot and spending on life feels unnatural. I want to build the habit of realizing gains and intentionally spending on life now, rather than waiting for full retirement.
Anyone else struggle with this mental transition? How did you train yourself to start enjoying your portfolio?