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This is firewarden's #9 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 3,484,366 and my FI portfolio increased to AUD 1,665,772


Net worth

AUD 3,484,366

Since the last update on my net worth has increased with AUD 89,076 (+ 2.62 %).

FI portfolio

AUD 1,665,772

Since the last update on my FI portfolio has increased with AUD 97,702 (+ 6.23 %).

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 88,207 +14,734 102,941
Investments 625,876 -1,041 624,835
Retirement acc 853,987 +84,009 937,996
Real estate 3,088,889 + 5,555 3,094,444
Other assets 0 0 0
Total assets 4,656,959 +103,257 4,760,216

Mortgage 1,261,669 14,181 1,275,850
Other debt 0 0 0
Total debt 1,261,669 14,181 1,275,850
Change
Cash 134,461 -31,520 102,941
Investments 285,239 +339,596 624,835
Retirement acc 826,361 +111,635 937,996
Real estate 3,061,111 + 33,333 3,094,444
Other assets 0 0 0
Total assets 4,307,172 +453,044 4,760,216

Mortgage 914,817 361,033 1,275,850
Other debt 0 0 0
Total debt 914,817 361,033 1,275,850
Change
Cash 388,818 -285,877 102,941
Investments 0 +624,835 624,835
Retirement acc 627,250 +310,746 937,996
Real estate 3,050,000 + 44,444 3,094,444
Other assets 0 0 0
Total assets 4,066,068 +694,148 4,760,216

Mortgage 849,997 425,853 1,275,850
Other debt 0 0 0
Total debt 849,997 + 425,853 1,275,850

I am now 12.6% on my way to achive my FIRE target of AUD 13,200,000. This is 0.7 percentage points closer, compared to the last net worth update.

AUD 1,665,772 FIRE target: AUD 13,200,000


12.6%

FI portfolio

My FI portfolio now consists of AUD 624,835 (37.5%) in investments, AUD 937,996 (56.3%) in retirement accounts, and AUD 102,941 (6.2%) in cash.

Investments

Since my last update, my investments decreased with AUD -1,041 (-0.17%).

Since I started tracking, my total contributions have been AUD 2,763,512, and my total return has been AUD 434,174.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 84,009 (9.84%), of which AUD 19,944 was from contributions , and AUD 30,493 was from returns.

Since I started tracking, my total contributions have been AUD 2,430,227, and my total return is AUD 848,374.




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be AUD 5,552 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
5,552/month
(4.0% SWR)
4,858/month
(3.5% SWR)
4,164/month
(3.0% SWR)


When can I retire?

FI date

My age

53

I am currently aiming to save/invest approximately AUD 40,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 13,200,000 in 7 years and 4 months, in , and at that time I will be 53 years old.

By that time I will have invested/saved another AUD 6,320,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 5,214,228


Financial independence forecast