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Net worth update per


This is k3nsh1n78's #29 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 733,325 and my FI portfolio increased to AUD 410,270


Net worth

AUD 733,325

Since the last update on my net worth has increased with AUD 2,582 (+ 0.35 %).

FI portfolio

AUD 410,270

Since the last update on my FI portfolio has increased with AUD 4,397 (+ 1.08 %).

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 193,950 +4,050 198,000
Investments 52,443 +316 52,759
Retirement acc 159,480 +31 159,511
Real estate 1,585,000 0 1,585,000
Other assets 34,040 -2,120 31,920
Total assets 2,024,913 +2,277 2,027,190

Mortgage 1,294,170 -305 1,293,865
Other debt 0 0 0
Total debt 1,294,170 -305 1,293,865
Change
Cash 193,950 +4,050 198,000
Investments 52,443 +316 52,759
Retirement acc 159,480 +31 159,511
Real estate 1,585,000 0 1,585,000
Other assets 34,040 -2,120 31,920
Total assets 2,024,913 +2,277 2,027,190

Mortgage 1,294,170 -305 1,293,865
Other debt 0 0 0
Total debt 1,294,170 -305 1,293,865
Change
Cash 147,750 +50,250 198,000
Investments 37,355 +15,404 52,759
Retirement acc 136,402 +23,109 159,511
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -5,360 31,920
Total assets 1,943,787 +83,403 2,027,190

Mortgage 1,300,865 -7,000 1,293,865
Other debt 0 0 0
Total debt 1,300,865 -7,000 1,293,865

I am now 27.4% on my way to achive my FIRE target of AUD 1,500,000. This is 0.3 percentage points closer, compared to the last net worth update.

AUD 410,270 FIRE target: AUD 1,500,000


27.4%

FI portfolio

My FI portfolio now consists of AUD 52,759 (12.9%) in investments, AUD 159,511 (38.9%) in retirement accounts, and AUD 198,000 (48.3%) in cash.

Investments

Since my last update, my investments increased with AUD 316 (0.6%).

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 31 (0.02%), 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 1,367 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,367/month
(4.0% SWR)
1,196/month
(3.5% SWR)
1,025/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 7 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another AUD 672,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 417,730


Financial independence forecast