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This is k3nsh1n78's #23 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 725,462 and my FI portfolio increased to AUD 400,922


Net worth

AUD 725,462

Since the last update on my net worth has increased with AUD 12,660 (+ 1.78 %).

FI portfolio

AUD 400,922

Since the last update on my FI portfolio has increased with AUD 12,080 (+ 3.11 %).

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 185,550 +8,800 194,350
Investments 50,603 +330 50,933
Retirement acc 152,689 +2,950 155,639
Real estate 1,585,000 0 1,585,000
Other assets 34,760 -120 34,640
Total assets 2,008,602 +11,960 2,020,562

Mortgage 1,295,800 -700 1,295,100
Other debt 0 0 0
Total debt 1,295,800 -700 1,295,100
Change
Cash 147,750 +46,600 194,350
Investments 37,355 +13,578 50,933
Retirement acc 136,402 +19,237 155,639
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -2,640 34,640
Total assets 1,943,787 +76,775 2,020,562

Mortgage 1,300,865 -5,765 1,295,100
Other debt 0 0 0
Total debt 1,300,865 -5,765 1,295,100
Change
Cash 147,750 +46,600 194,350
Investments 37,355 +13,578 50,933
Retirement acc 136,402 +19,237 155,639
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -2,640 34,640
Total assets 1,943,787 +76,775 2,020,562

Mortgage 1,300,865 -5,765 1,295,100
Other debt 0 0 0
Total debt 1,300,865 -5,765 1,295,100

I am now 26.7% on my way to achive my FIRE target of AUD 1,500,000. This is 0.8 percentage points closer, compared to the last net worth update.

AUD 400,922 FIRE target: AUD 1,500,000


26.7%

FI portfolio

My FI portfolio now consists of AUD 50,933 (12.7%) in investments, AUD 155,639 (38.8%) in retirement accounts, and AUD 194,350 (48.5%) in cash.

Investments

Since my last update, my investments increased with AUD 330 (0.65%).

Since I started tracking, my total contributions have been AUD 221,495, and my total return has been AUD -245,215.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 2,950 (1.93%), of which AUD 2,233 was from contributions , and AUD -6,788 was from returns.

Since I started tracking, my total contributions have been AUD 144,919, and my total return is AUD 73,383.




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

If I quit working today, my monthly pay out would be AUD 1,336 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,336/month
(4.0% SWR)
1,169/month
(3.5% SWR)
1,002/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 7% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 1,500,000 in 3 years and 11 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 387,078


Financial independence forecast