Retirement Portfolio

💾 Cloud Database

Data stored in Cloudflare KV — auto-syncs across all devices
💡 Export XLSX regularly for personal backup

—Portfolio history (snapshots)

—Transactions

—Last updated

📊 Manage Funds

Toggle a builtin fund off to hide its input from the snapshot form (historical data is kept). Custom funds are tracked by value only — perfect for new RMFs, ETFs, crypto, etc.

📚 Instructions & Schema

XLSX file structure — 2 sheets:

Sheet 1: History (17 columns)

Date | PVD | PVD_Cost | TLWORLD_X | TLWORLD_X_Units | TLWORLD_X_Cost | TLWORLDRMF | TLWORLDRMF_Units | TLWORLDRMF_Cost | TLMMRMF | SGOV_THB | SGOV_Units | SGOV_Cost_THB | DIME_FCD_THB | Contribution | USD_THB | Notes

Retirement Portfolio · Updated —

Portfolio Value

฿—

—

Portfolio NAV

—

TWR

—

Time-Weighted

MWR / IRR

—

Money-Weighted

Gain / Loss

—

Total invested —

Portfolio vs Target

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Total / ฿53.3M (age 60)

Portfolio Value

— Current Value — Cumulative Cost

📈 Portfolio vs Target Checkpoint

⚡ Comparing whole portfolio (equity + bond + cash) against checkpoint

Asset Allocation

Equity

—

Target 80%

Bond / Cash

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Target 20%

Fund Details

Fund	Value	Units	NAV	Cost	Gain/Loss	Type

🎮 Portfolio Checkpoints

🥚

タマゴ

Egg

☆☆☆☆☆

財の種、まだ眠る...

Next Checkpoint (Total)

—

—%

Reached

📸 Save Portfolio Snapshot

Enter only current prices/NAV — units and cost basis derived from Transactions

Date

USD/THB

PVD — Enter from MFC App

PVD Total Value (฿)

PVD Principal (฿) from MFC

Equity Funds — Enter current NAV (฿/unit)

TLWORLD-X NAV

TLWORLDRMF NAV

TLMMRMF NAV

SGOV & Cash

SGOV Price (USD/share)

DIME FCD (฿)

🔮 Retirement Forecast

Calculated at 6%/yr growth + DCA from transactions

Not enough data

📋 Snapshot History

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📝 Transaction Log

Specify which fund you added/withdrew money from

Date

Fund

Type

Price per unit (฿/unit)

Note

💰 Surplus at Graduation

—

After all tuition paid

📈 Peak Portfolio Value

—

Highest combined value

⚙️ Simulator Settings

Initial Fund (฿)

Monthly Contribution (฿)

DCA Start Date

Growth Rate — Bucket 1 (%)

Safety Rate — Bucket 2 (%)

Safety Reserve (yrs ahead)

2-Bucket Strategy

📈 Bucket 1 · Growth
VT — receives DCA

🛡️ Bucket 2 · Safety
Cash / MMF — pays tuition

🔄 Annual rebalance: pull from Growth so Safety covers this year + 1 yr ahead

📊 17-Year Education Fund Projection — Punn

Safety Bucket (Cash/MMF) Growth Bucket (Equity) Tax Fund Unlock → Growth Annual Tuition Cost Actual Total

📋 Year-by-Year Breakdown

Bucket balances after rebalance & tuition payment

Year	Tuition	Tax Fund In	Growth Bucket	Safety Bucket	Total	Safety Score

🛡️

Safety Bucket Score

—

Avg fund / remaining cost · ≥1.5x = healthy · <1.0x = at risk

📝 Record Education Fund Transaction

Log actual deposits into Punn's fund & update portfolio value

Date

Fund

Type

Units

NAV (฿)

Amount (฿)

Note

💼 Snapshot — Actual Bucket Values

TLWORLD-X NAV (฿)

TLWORLD-X Units

TLWORLD-X Cost (฿)

SGOV Price (USD)

SGOV Units

USD/THB

SGOV Cost (฿)

📈 Growth Value (฿)

🛡️ Safety Value (฿)

As of Date

📊 Actual Portfolio Snapshots

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📋 Education Fund Transaction Log

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🏛️ Thai Tax Funds (SSF / RMF / ThaiESG)

Lock-up tracker. When a lot unlocks, transfer it to Punn's Growth Bucket via the action button.

💼 Total Value

—

— lots active

🔒 Locked

—

🔓 Unlocked

—

⏭️ Next Unlock

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📅 Unlock Timeline

Value becoming sellable each year (current value of locked lots)

📋 Lots

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Fund	Bought	Unlocks	Time Left	Units	NAV (฿)	Value	Status

➕ Add / Edit Lot

New lot

Fund Code / Name

Type

Buy Date

Unlock Date

Units

NAV (฿)

Value (฿) — auto

Note (optional)

📤 Transferred to Punn's Growth

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Fund	Bought	Transferred	Units	Value at Transfer