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This is k3nsh1n78's #28 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 730,743 and my FI portfolio decreased to AUD 405,873


Net worth

AUD 730,743

Since the last update on my net worth has decreased with AUD -566 ( -0.08 %).

FI portfolio

AUD 405,873

Since the last update on my FI portfolio has decreased with AUD -446 ( -0.11 %).

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 193,500 +450 193,950
Investments 52,034 +409 52,443
Retirement acc 160,785 -1,305 159,480
Real estate 1,585,000 0 1,585,000
Other assets 34,160 -120 34,040
Total assets 2,025,479 -566 2,024,913

Mortgage 1,294,170 0 1,294,170
Other debt 0 0 0
Total debt 1,294,170 0 1,294,170
Change
Cash 147,750 +46,200 193,950
Investments 37,355 +15,088 52,443
Retirement acc 136,402 +23,078 159,480
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -3,240 34,040
Total assets 1,943,787 +81,126 2,024,913

Mortgage 1,300,865 -6,695 1,294,170
Other debt 0 0 0
Total debt 1,300,865 -6,695 1,294,170
Change
Cash 147,750 +46,200 193,950
Investments 37,355 +15,088 52,443
Retirement acc 136,402 +23,078 159,480
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -3,240 34,040
Total assets 1,943,787 +81,126 2,024,913

Mortgage 1,300,865 -6,695 1,294,170
Other debt 0 0 0
Total debt 1,300,865 -6,695 1,294,170

I am now 27.1% on my way to achive my FIRE target of AUD 1,500,000. This is -0.0 percentage points closer, compared to the last net worth update.

AUD 405,873 FIRE target: AUD 1,500,000


27.1%

FI portfolio

My FI portfolio now consists of AUD 52,443 (12.9%) in investments, AUD 159,480 (39.3%) in retirement accounts, and AUD 193,950 (47.8%) in cash.

Investments

Since my last update, my investments increased with AUD 409 (0.79%).

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 decreased with AUD -1,305 (-0.81%), 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 1,352 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,352/month
(4.0% SWR)
1,183/month
(3.5% SWR)
1,014/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 414,127


Financial independence forecast