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Net worth update per


This is k3nsh1n78's #201 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 1,174,349 and my FI portfolio decreased to AUD 653,689


Net worth

AUD 1,174,349

Since the last update on my net worth has decreased with AUD -2,380 ( -0.2 %).

FI portfolio

AUD 653,689

Since the last update on my FI portfolio has decreased with AUD -4,405 ( -0.67 %).

The per-day change in net worth between the reported periods are shown in the plot below.


And the development and changes between each net worth reporting is shown in the tables below.

Net worth
FI portfolio

The changes for each asset class is shown in the table below. All numbers are in AUD.
Change
Cash 283,950 +1,400 285,350
Investments 14,885 -1,250 13,635
Retirement acc 359,259 -4,555 354,704
Real estate 1,585,000 0 1,585,000
Other assets 12,375 -75 12,300
Total assets 2,255,469 -4,480 2,250,989

Mortgage 1,078,740 -2,100 1,076,640
Other debt 0 0 0
Total debt 1,078,740 -2,100 1,076,640
Change
Cash 286,550 -1,200 285,350
Investments 8,480 +5,155 13,635
Retirement acc 305,650 +49,054 354,704
Real estate 1,585,000 0 1,585,000
Other assets 13,500 -1,200 12,300
Total assets 2,199,180 +51,809 2,250,989

Mortgage 1,093,425 -16,785 1,076,640
Other debt 0 0 0
Total debt 1,093,425 -16,785 1,076,640
Change
Cash 147,750 +137,600 285,350
Investments 37,355 -23,720 13,635
Retirement acc 136,402 +218,302 354,704
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -24,980 12,300
Total assets 1,943,787 +307,202 2,250,989

Mortgage 1,300,865 -224,225 1,076,640
Other debt 0 0 0
Total debt 1,300,865 -224,225 1,076,640

I am now 43.6% on my way to achive my FIRE target of AUD 1,500,000. This is -0.3 percentage points closer, compared to the last net worth update.

AUD 653,689 FIRE target: AUD 1,500,000


43.6%

FI portfolio

My FI portfolio now consists of AUD 13,635 (2.1%) in investments, AUD 354,704 (54.3%) in retirement accounts, and AUD 285,350 (43.7%) in cash.

Investments

Since my last update, my investments decreased with AUD -1,250 (-8.4%).

Since I started tracking, my total contributions have been AUD 221,495, and my total return has been AUD -246,225.

Retirement accounts

Since my last update, my retirement accounts decreased with AUD -4,555 (-1.27%), of which AUD 2,397 was from contributions , and AUD 5,789 was from returns.

Since I started tracking, my total contributions have been AUD 151,113, and my total return is AUD 77,859.




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be AUD 2,178 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
2,178/month
(4.0% SWR)
1,906/month
(3.5% SWR)
1,634/month
(3.0% SWR)


When can I retire?

FI date

My age

51

I am currently aiming to save/invest approximately AUD 8,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 1,500,000 in 5 years and 5 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another AUD 528,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 318,311


Financial independence forecast