CVS_TEE_Model_v4b.xlsx

	A	B	C	D	E	F	G	H	J
1	BUILD WEALTH // Capital Velocity Stack Model								For Customizable model of your own, please visit:
2									https://buildwealth.com/p/Capital-Velocity-Stack
3	COMBINED SUMMARY — ALL SCENARIOS & ADVANTAGE COLUMNS								https://buildwealth.com/p/Capital-Velocity-Stack
4	Year	CVS + TEE	P&P Mix	Agg Stocks	60/40	CVS vs P&P	CVS vs Agg Stocks	CVS vs 60/40
5	Year 0	$2,500,000	$2,500,000	$2,500,000	$2,500,000	-	-	-
6	Year 1	$2,723,000	$2,694,500	$2,745,000	$2,657,500	1.1%	(0.8%)	2.5%
7	Year 2	$2,975,260	$2,911,921	$3,014,010	$2,824,923	2.2%	(1.3%)	5.3%
8	Year 3	$3,259,738	$3,154,815	$3,309,383	$3,002,893	3.3%	(1.5%)	8.6%
9	Year 4	$3,707,453	$3,505,968	$3,633,703	$3,192,075	5.7%	2.0%	16.1%
10	Year 5	$4,301,576	$3,929,812	$3,989,805	$3,393,176	9.5%	7.8%	26.8%
11	Year 6	$5,062,223	$4,469,551	$4,380,806	$3,606,946	13.3%	15.6%	40.3%
12	Year 7	$6,018,146	$4,979,112	$4,810,125	$3,834,183	20.9%	25.1%	57.0%
13	Year 8	$7,037,440	$5,493,106	$5,281,518	$4,075,737	28.1%	33.2%	72.7%
14	Year 9	$8,329,192	$6,160,940	$5,799,106	$4,332,508	35.2%	43.6%	92.2%
15	Year 10	$9,743,221	$6,982,556	$6,367,419	$4,605,456	39.5%	53.0%	111.6%
16	Year 11	$11,447,806	$8,057,571	$6,991,426	$4,895,600	42.1%	63.7%	133.8%
17	Year 12	$13,487,150	$9,049,922	$7,676,585	$5,204,023	49.0%	75.7%	159.2%
18	Year 13	$15,678,025	$10,061,122	$8,428,891	$5,531,876	55.8%	86.0%	183.4%
19	Year 14	$18,345,970	$11,404,926	$9,254,922	$5,880,384	60.9%	98.2%	212.0%
20	Year 15	$21,285,081	$13,091,924	$10,161,905	$6,250,849	62.6%	109.5%	240.5%
21
22	KEY METRICS
23	Starting capital (CVS)	$2,500,000	PC $1.2M + Stocks $1.3M
24	Total TEE capital committed	$288,000	Gross out-of-pocket Years 1-3 only
25	Total ever committed	$2,788,000	CVS starting + TEE gross
26	CVS Year 10 Total NW	$9,743,221	Realized + mid-hold RE
27	CVS Year 15 Total NW	$21,285,081	Clears $20M ✓
28	P&P Year 10 Total NW	$6,982,556	Same assets, no connections, no leverage
29	P&P Year 15 Total NW	$13,091,924	Misses $20M by $6,908,076
30	CVS vs P&P advantage (Y15)	62.6%	Pure architecture alpha
31	CVS vs Agg Stocks (Y15)	109.5%	vs. aggressive equity portfolio
32	CVS vs 60/40 (Y15)	240.5%	vs. conventional allocation
33	CVS CAGR (15yr)	15.3%	On $2.5M starting capital
34	P&P CAGR (15yr)	11.7%	On $2.5M starting capital
35	$20M target	CVS: Year 15 ✓ \| P&P: No	Architecture is the difference
36
37	BENCHMARK COMPARISON — YEAR 15
38	Strategy	Capital	Year 15 Value	MOIC	CAGR	vs. P&P	vs. Agg Stocks	vs. 60/40
39	CVS + TEE	$2,788,000	$21,285,081	7.63x	15.3%	62.6%	109.5%	240.5%
40	P&P Mix (8/52/40 — no leverage)	$2,500,000	$13,091,924	5.24x	11.7%		28.8%	109.4%
41	Aggressive Stocks (9.8% realized)	$2,500,000	$10,161,905	4.06x	9.8%	(22.4%)		62.6%
42	60/40 Portfolio (6.3% realized)	$2,500,000	$6,250,849	2.50x	6.3%	(52.3%)	(38.5%)
43
44	BENCHMARK COMPARISON — YEAR 10
45	Strategy	Capital	Year 10 Value	MOIC	CAGR	vs. P&P	vs. Agg Stocks	vs. 60/40
46	CVS + TEE	$2,788,000	$9,743,221	3.49x	14.6%	39.5%	53.0%	111.6%
47	P&P Mix (8/52/40)	$2,500,000	$6,982,556	2.79x	10.8%		9.7%	51.6%
48	Aggressive Stocks (9.8%)	$2,500,000	$6,367,419	2.55x	9.8%	(8.8%)		38.3%
49	60/40 (6.3%)	$2,500,000	$4,605,456	1.84x	6.3%	(34.0%)	(27.7%)
50
51	Note: All returns illustrative. CRE 18% IRR is a blended target — not guaranteed. Mid-hold valuations are conservative estimates. Static planning model — not a live spreadsheet. P&P corrected v4b: undeployed CRE held in stock pool, all income tracked. For dynamic macro-enabled version: mike@buildwealth.com
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