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This is k3nsh1n78's #34 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 745,980 and my FI portfolio increased to AUD 425,280


Net worth

AUD 745,980

Since the last update on my net worth has increased with AUD 5,880 (+ 0.79 %).

FI portfolio

AUD 425,280

Since the last update on my FI portfolio has increased with AUD 5,973 (+ 1.42 %).

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 203,500 +450 203,950
Investments 54,483 +1,754 56,237
Retirement acc 161,324 +3,769 165,093
Real estate 1,585,000 0 1,585,000
Other assets 28,650 -100 28,550
Total assets 2,032,957 +5,873 2,038,830

Mortgage 1,292,857 -7 1,292,850
Other debt 0 0 0
Total debt 1,292,857 -7 1,292,850
Change
Cash 193,950 +10,000 203,950
Investments 52,443 +3,794 56,237
Retirement acc 159,480 +5,613 165,093
Real estate 1,585,000 0 1,585,000
Other assets 34,040 -5,490 28,550
Total assets 2,024,913 +13,917 2,038,830

Mortgage 1,294,170 -1,320 1,292,850
Other debt 0 0 0
Total debt 1,294,170 -1,320 1,292,850
Change
Cash 147,750 +56,200 203,950
Investments 37,355 +18,882 56,237
Retirement acc 136,402 +28,691 165,093
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -8,730 28,550
Total assets 1,943,787 +95,043 2,038,830

Mortgage 1,300,865 -8,015 1,292,850
Other debt 0 0 0
Total debt 1,300,865 -8,015 1,292,850

I am now 28.4% on my way to achive my FIRE target of AUD 1,500,000. This is 0.4 percentage points closer, compared to the last net worth update.

AUD 425,280 FIRE target: AUD 1,500,000


28.4%

FI portfolio

My FI portfolio now consists of AUD 56,237 (13.2%) in investments, AUD 165,093 (38.8%) in retirement accounts, and AUD 203,950 (48.0%) in cash.

Investments

Since my last update, my investments increased with AUD 1,754 (3.22%).

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 3,769 (2.34%), 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 1,417 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,417/month
(4.0% SWR)
1,240/month
(3.5% SWR)
1,063/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 5 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another AUD 664,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 410,720


Financial independence forecast