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Net worth update per


This is k3nsh1n78's #26 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 726,777 and my FI portfolio decreased to AUD 402,367


Net worth

AUD 726,777

Since the last update on my net worth has decreased with AUD -2,286 ( -0.31 %).

FI portfolio

AUD 402,367

Since the last update on my FI portfolio has decreased with AUD -2,166 ( -0.54 %).

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 196,150 -4,350 191,800
Investments 51,167 -329 50,838
Retirement acc 157,216 +2,513 159,729
Real estate 1,585,000 0 1,585,000
Other assets 34,400 -120 34,280
Total assets 2,023,933 -2,286 2,021,647

Mortgage 1,294,870 0 1,294,870
Other debt 0 0 0
Total debt 1,294,870 0 1,294,870
Change
Cash 147,750 +44,050 191,800
Investments 37,355 +13,483 50,838
Retirement acc 136,402 +23,327 159,729
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -3,000 34,280
Total assets 1,943,787 +77,860 2,021,647

Mortgage 1,300,865 -5,995 1,294,870
Other debt 0 0 0
Total debt 1,300,865 -5,995 1,294,870
Change
Cash 147,750 +44,050 191,800
Investments 37,355 +13,483 50,838
Retirement acc 136,402 +23,327 159,729
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -3,000 34,280
Total assets 1,943,787 +77,860 2,021,647

Mortgage 1,300,865 -5,995 1,294,870
Other debt 0 0 0
Total debt 1,300,865 -5,995 1,294,870

I am now 26.8% on my way to achive my FIRE target of AUD 1,500,000. This is -0.1 percentage points closer, compared to the last net worth update.

AUD 402,367 FIRE target: AUD 1,500,000


26.8%

FI portfolio

My FI portfolio now consists of AUD 50,838 (12.6%) in investments, AUD 159,729 (39.7%) in retirement accounts, and AUD 191,800 (47.7%) in cash.

Investments

Since my last update, my investments decreased with AUD -329 (-0.64%).

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 2,513 (1.6%), 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 1,341 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,341/month
(4.0% SWR)
1,173/month
(3.5% SWR)
1,005/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 6 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another AUD 680,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 417,633


Financial independence forecast