Total Portfolio Value
$0
Phase 1 begins at age 35
Financial Freedom FF
0%
$0 invested
Goal: $771,429
Royal Freedom RFF
0%
$0 invested
Goal: $1,300,000
Hit $771K FF At
—
Investing starts age 35
Hit Royal FF At
—
Full retirement at age 45
Still Need (FF)
$771,429
to semi-retire
Still Need (RFF)
$1,300,000
to fully retire
Your Roadmap
Age 33 — Right Now
Building income. Laying the foundation.
Age 35 — Phase 1 Begins
VT $3,000 + VTI $1,500 + QQQM $1,500/mo · all USD
Age 40 — Semi-Retire 🎯
Hit $771,429 · All ETFs keep running · Stanbic income kicks in
Age 45 — Full Retirement 👑
Hit $1,300,000 · Done forever.
Three questions. Once a month. That's it.
Monthly Check-In
Did you follow the plan?
US ETFs — $6,000 invested?
VT $3,000 + VTI $1,500 + QQQM $1,500 this month?
Stanbic — $1,000 invested?
Stanbic IBTC · Target: $1,000/mo
10% rule hit?
Enter income + investments above
—
Monthly History
| Month | Income | VT | Stanbic | 10% | |
|---|---|---|---|---|---|
| No check-ins yet | |||||
Where You Are Right Now
Your Portfolio
FF $771K
Royal FF $1.3M
VT (50%)
$0
$3,000/mo
VTI (25%)
$0
$1,500/mo
QQQM (25%)
$0
$1,500/mo
Stanbic MM
Safety
$1k/mo · not tracked
Log Investment Entry
Portfolio Real Value
What's it actually worth today?
Open Bamboo → copy your VT, VTI and QQQM values. Stanbic MM is your safety buffer — enter the Naira balance if you want to include it in your total. App converts and adds it automatically.
Google "USD to NGN" for the current rate before entering
VT (USD)
$0
VTI (USD)
$0
QQQM (USD)
$0
Stanbic MM (₦ → $)
$0
Total Portfolio (USD)
$0
Investment History
| Date | VT | VTI | QQQM | Stanbic | Crypto | Notes | |
|---|---|---|---|---|---|---|---|
| No entries yet | |||||||
Portfolio Growth Projection
Portfolio
FF Target
Royal FF Target
Hit FF at
—
—
Hit Royal FF at
—
—
Milestone Projections
Phase Breakdown
The Plan · Ages 35–45 · Full Send
VT (50%) — Bamboo$3,000/mo
VTI (25%) — Bamboo$1,500/mo
QQQM (25%) — Bamboo$1,500/mo
Stanbic IBTC Balanced$0 (moved to ETFs)
Stanbic Money Market$1,000/mo (security, not tracked)
At age 40 (semi-retire)Both keep running as-is ✓
Projected value at age 45Calculating...
Long-term hold only. Update when you feel like it — not daily.
Total Invested
$0
all time
Est. Value Now
$0
manual update
Gain / Loss
$0
Return %
0%
Update Crypto Data
Freedom Goals
Annual cost ÷ 0.07
Ideal cost ÷ 0.07
Your Ages
Monthly Investments
VT $3,000 + VTI $1,500 + QQQM $1,500 = $6,000 total
$1k IBTC · separate $1k goes to Money Market
At age 40 (semi-retire): ETFs keep compounding. 7% annual withdrawal covers your $4,500/mo lifestyle. Portfolio still grows.
Return Rate Assumptions
Historical VT/VTI/QQQM avg ~10% · same rate applied to all three ETFs
Data & Security
My Notes
No notes yet. Hit New Note to start.