How to Build a Retirement Portfolio with only $100k
- Rayson L.
- Aug 24
- 5 min read
Updated: Aug 27

So you think it is impossible to retire with only 3 properties? Here is a realistic, numbers-first simulation of how a disciplined investor could build to $60k p.a. passive income with just 3 investment properties, starting with $100k cash.
The numbers and assumptions used in this examples are intentionally conservative and designed for Australian conditions (think Melbourne / Victoria land tax and typical yields, and very conservative growth). This is general information, not financial advice—your borrowing capacity, tax, land tax, and risk tolerance will affect what you can and should buy, and thus your outcome.
So, let's start!
Step by Step Guide to Building a Retirement Portfolio with only $100k cash.
Generate ~$60,000 net passive income p.a. from property, sustainably.
Starting Point
Cash: $100,000
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