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Net worth update per


This is subversity's #5 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 159,700 and my FI portfolio increased to AUD 196,500


Net worth

AUD 159,700

Since the last update on my net worth has increased with AUD 5,200 (+ 3.37 %).

FI portfolio

AUD 196,500

Since the last update on my FI portfolio has increased with AUD 5,200 (+ 2.72 %).

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 5,000 -4,000 1,000
Investments 149,700 +6,800 156,500
Retirement acc 36,600 +2,400 39,000
Real estate 0 0 0
Other assets 0 0 0
Total assets 191,300 +5,200 196,500

Mortgage 0 0 0
Other debt 36,800 0 36,800
Total debt 36,800 0 36,800
Change
Cash 23,000 -22,000 1,000
Investments 123,000 +33,500 156,500
Retirement acc 36,000 +3,000 39,000
Real estate 0 0 0
Other assets 0 0 0
Total assets 182,000 +14,500 196,500

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 +33,500 156,500
Retirement acc 36,000 +3,000 39,000
Real estate 0 0 0
Other assets 0 0 0
Total assets 182,000 +14,500 196,500

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

I am now 26.2% on my way to achive my FIRE target of AUD 750,000. This is 0.7 percentage points closer, compared to the last net worth update.

AUD 196,500 FIRE target: AUD 750,000


26.2%

FI portfolio

My FI portfolio now consists of AUD 156,500 (79.6%) in investments, AUD 39,000 (19.8%) in retirement accounts, and AUD 1,000 (0.5%) in cash.

Investments

Since my last update, my investments increased with AUD 6,800 (4.54%), 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 2,400 (6.56%), 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 655 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
655/month
(4.0% SWR)
573/month
(3.5% SWR)
491/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 6 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another AUD 288,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 265,500


Financial independence forecast