How long would it take me to build a $100,000 ASX share portfolio?

Résumé détaillé

I wanted to see how quickly regular investing could turn a small starting balance into something much more substantial. The post How long would it take me to build a $100,000 ASX…

Building a $100,000 share portfolio might sound like a daunting task, especially if you're starting with nothing.

But I think it's a goal that could be more achievable than many people realise.

And how quickly you get there could depend heavily on how much you're able to invest each month.

For these calculations, I'm going to assume an average annual total return of 9%, with dividends reinvested.

That's broadly consistent with the Australian share market's long-term historical performance, although future returns are never guaranteed.

If I started with $0 and invested $500 every month, I could build a portfolio worth $100,000 in approximately 10 years and 5 months.

Of course, investing $500 every month requires discipline. But I think the prospect of turning those contributions into a six-figure portfolio makes the effort worthwhile.

For someone with a little more room in their budget, increasing monthly investments in ASX shares to $1,000 could make a big difference.

I appreciate that's not always easy, especially with higher interest rates and cost-of-living pressures stretching household finances.

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