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This is k3nsh1n78's #15 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 684,245 and my FI portfolio increased to AUD 360,413


Net worth

AUD 684,245

Since the last update on my net worth has increased with AUD 4,399 (+ 0.65 %).

FI portfolio

AUD 360,413

Since the last update on my FI portfolio has increased with AUD 3,714 (+ 1.04 %).

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 168,750 +3,350 172,100
Investments 46,589 +98 46,687
Retirement acc 141,360 +266 141,626
Real estate 1,585,000 0 1,585,000
Other assets 35,720 -120 35,600
Total assets 1,977,419 +3,594 1,981,013

Mortgage 1,297,573 -805 1,296,768
Other debt 0 0 0
Total debt 1,297,573 -805 1,296,768
Change
Cash 147,750 +24,350 172,100
Investments 37,355 +9,332 46,687
Retirement acc 136,402 +5,224 141,626
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -1,680 35,600
Total assets 1,943,787 +37,226 1,981,013

Mortgage 1,300,865 -4,097 1,296,768
Other debt 0 0 0
Total debt 1,300,865 -4,097 1,296,768
Change
Cash 147,750 +24,350 172,100
Investments 37,355 +9,332 46,687
Retirement acc 136,402 +5,224 141,626
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -1,680 35,600
Total assets 1,943,787 +37,226 1,981,013

Mortgage 1,300,865 -4,097 1,296,768
Other debt 0 0 0
Total debt 1,300,865 -4,097 1,296,768

I am now 24.0% on my way to achive my FIRE target of AUD 1,500,000. This is 0.2 percentage points closer, compared to the last net worth update.

AUD 360,413 FIRE target: AUD 1,500,000


24.0%

FI portfolio

My FI portfolio now consists of AUD 46,687 (13.0%) in investments, AUD 141,626 (39.3%) in retirement accounts, and AUD 172,100 (47.8%) in cash.

Investments

Since my last update, my investments increased with AUD 98 (0.21%).

Since I started tracking, my total contributions have been AUD 221,495, and my total return has been AUD -237,960.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 266 (0.19%), of which AUD 400 was from contributions , and AUD 7,935 was from returns.

Since I started tracking, my total contributions have been AUD 175,203, and my total return is AUD 113,570.




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

If I quit working today, my monthly pay out would be AUD 1,201 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,201/month
(4.0% SWR)
1,051/month
(3.5% SWR)
901/month
(3.0% SWR)


When can I retire?

FI date

My age

49

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

Assuming an annual return of 8% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 1,500,000 in 2 years and 9 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another AUD 712,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 427,587


Financial independence forecast