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This is subversity's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 154,350 and my FI portfolio increased to AUD 191,150


Net worth

AUD 154,350

Since the last update on my net worth has increased with AUD 6,098 (+ 4.11 %).

FI portfolio

AUD 191,150

Since the last update on my FI portfolio has increased with AUD 5,798 (+ 3.13 %).

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 21,000 -20,000 1,000
Investments 128,200 +24,800 153,000
Retirement acc 36,152 +998 37,150
Real estate 0 0 0
Other assets 0 0 0
Total assets 185,352 +5,798 191,150

Mortgage 0 0 0
Other debt 37,100 -300 36,800
Total debt 37,100 -300 36,800
Change
Cash 23,000 -22,000 1,000
Investments 123,000 +30,000 153,000
Retirement acc 36,000 +1,150 37,150
Real estate 0 0 0
Other assets 0 0 0
Total assets 182,000 +9,150 191,150

Mortgage 0 0 0
Other debt 37,450 -650 36,800
Total debt 37,450 -650 36,800
Change
Cash 23,000 -22,000 1,000
Investments 123,000 +30,000 153,000
Retirement acc 36,000 +1,150 37,150
Real estate 0 0 0
Other assets 0 0 0
Total assets 182,000 +9,150 191,150

Mortgage 0 0 0
Other debt 37,450 -650 36,800
Total debt 37,450 -650 36,800

I am now 25.5% on my way to achive my FIRE target of AUD 750,000. This is 0.8 percentage points closer, compared to the last net worth update.

AUD 191,150 FIRE target: AUD 750,000


25.5%

FI portfolio

My FI portfolio now consists of AUD 153,000 (80.0%) in investments, AUD 37,150 (19.4%) in retirement accounts, and AUD 1,000 (0.5%) in cash.

Investments

Since my last update, my investments increased with AUD 24,800 (19.34%), 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 998 (2.76%), 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 637 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
637/month
(4.0% SWR)
557/month
(3.5% SWR)
477/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 2 years and 5 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another AUD 292,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 266,850


Financial independence forecast