You know your FI number. But do you know whether your portfolio income is growing fast enough to hit it on schedule? The Annual Audit Workbook gives you the year-over-year tracking system that turns abstract FI goals into measurable progress.
If your income grew 3% this year instead of 8%, you're off track — but you won't know without a year-over-year comparison. Chapter 8 is the dashboard you need.
A distribution cut at 90% FI can extend your timeline by 12-18 months. The Coverage Ratio Worksheet gives you the 3-6 month advance warning that prevents surprises.
Holding a declining position costs you compounding time. The Rebalancing Decision Tree gives you objective criteria for the hold/trim/exit decision.
Chapters marked Most Relevant are specifically applicable to your situation.
The specific cases where quarterly auditors caught NAV erosion 6 months before it became critical.
A systematic review process for every position: yield, NAV change, coverage ratio, total return.
How to calculate and track coverage ratios for each holding, with thresholds.
A scoring system for each holding based on 12-month NAV trend and volatility.
How to track whether income is growing, flat, or declining on a position-by-position basis.
For REITs, BDCs, and MLPs — how to evaluate whether distributions are sustainable.
A visual framework for deciding when to hold, trim, or exit a position.
How to track whether total portfolio income is growing, and by how much.
Year-over-Year Income Comparison
Chapter 8 provides a repeatable comparison for measuring portfolio income progress against a target FI timeline.
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