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Net worth update per


This is k3nsh1n78's #33 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 740,100 and my FI portfolio decreased to AUD 419,307


Net worth

AUD 740,100

Since the last update on my net worth has decreased with AUD -178 ( -0.02 %).

FI portfolio

AUD 419,307

Since the last update on my FI portfolio has decreased with AUD -386 ( -0.09 %).

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 201,600 +1,900 203,500
Investments 54,402 +81 54,483
Retirement acc 163,691 -2,367 161,324
Real estate 1,585,000 0 1,585,000
Other assets 28,750 -100 28,650
Total assets 2,033,443 -486 2,032,957

Mortgage 1,293,165 -308 1,292,857
Other debt 0 0 0
Total debt 1,293,165 -308 1,292,857
Change
Cash 193,950 +9,550 203,500
Investments 52,443 +2,040 54,483
Retirement acc 159,480 +1,844 161,324
Real estate 1,585,000 0 1,585,000
Other assets 34,040 -5,390 28,650
Total assets 2,024,913 +8,044 2,032,957

Mortgage 1,294,170 -1,313 1,292,857
Other debt 0 0 0
Total debt 1,294,170 -1,313 1,292,857
Change
Cash 147,750 +55,750 203,500
Investments 37,355 +17,128 54,483
Retirement acc 136,402 +24,922 161,324
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -8,630 28,650
Total assets 1,943,787 +89,170 2,032,957

Mortgage 1,300,865 -8,008 1,292,857
Other debt 0 0 0
Total debt 1,300,865 -8,008 1,292,857

I am now 28.0% 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 419,307 FIRE target: AUD 1,500,000


28.0%

FI portfolio

My FI portfolio now consists of AUD 54,483 (13.0%) in investments, AUD 161,324 (38.5%) in retirement accounts, and AUD 203,500 (48.5%) in cash.

Investments

Since my last update, my investments increased with AUD 81 (0.15%).

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 -2,367 (-1.45%), 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 1,397 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,397/month
(4.0% SWR)
1,222/month
(3.5% SWR)
1,048/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 672,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 408,693


Financial independence forecast