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Net worth update per


This is subversity's #2 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 148,252 and my FI portfolio increased to AUD 185,352


Net worth

AUD 148,252

Since the last update on my net worth has increased with AUD 3,702 (+ 2.56 %).

FI portfolio

AUD 185,352

Since the last update on my FI portfolio has increased with AUD 3,352 (+ 1.84 %).

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 23,000 -2,000 21,000
Investments 123,000 +5,200 128,200
Retirement acc 36,000 +152 36,152
Real estate 0 0 0
Other assets 0 0 0
Total assets 182,000 +3,352 185,352

Mortgage 0 0 0
Other debt 37,450 -350 37,100
Total debt 37,450 -350 37,100
Change
Cash 23,000 -2,000 21,000
Investments 123,000 +5,200 128,200
Retirement acc 36,000 +152 36,152
Real estate 0 0 0
Other assets 0 0 0
Total assets 182,000 +3,352 185,352

Mortgage 0 0 0
Other debt 37,450 -350 37,100
Total debt 37,450 -350 37,100
Change
Cash 23,000 -2,000 21,000
Investments 123,000 +5,200 128,200
Retirement acc 36,000 +152 36,152
Real estate 0 0 0
Other assets 0 0 0
Total assets 182,000 +3,352 185,352

Mortgage 0 0 0
Other debt 37,450 -350 37,100
Total debt 37,450 -350 37,100

I am now 24.7% on my way to achive my FIRE target of AUD 750,000. This is 0.4 percentage points closer, compared to the last net worth update.

AUD 185,352 FIRE target: AUD 750,000


24.7%

FI portfolio

My FI portfolio now consists of AUD 128,200 (69.2%) in investments, AUD 36,152 (19.5%) in retirement accounts, and AUD 21,000 (11.3%) in cash.

Investments

Since my last update, my investments increased with AUD 5,200 (4.23%), of which AUD 8,000 was from contributions, and AUD -3,300 was from returns.

Since I started tracking, my total contributions have been AUD 126,153, and my total return has been AUD 41,847.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 152 (0.42%), of which AUD 800 was from contributions , and AUD 417 was from returns.

Since I started tracking, my total contributions have been AUD 20,383, and my total return is AUD 5,467.




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

If I quit working today, my monthly pay out would be AUD 617 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
617/month
(4.0% SWR)
540/month
(3.5% SWR)
463/month
(3.0% SWR)


When can I retire?

FI date

My age

41

I am currently aiming to save/invest approximately AUD 4,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 750,000 in 1 years and 0 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another AUD 304,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 260,648


Financial independence forecast