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Net worth update per


This is Scarlette's #10 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 1,758,462 and my FI portfolio increased to AUD 1,290,306


Net worth

AUD 1,758,462

Since the last update on my net worth has increased with AUD 12,109 (+ 0.69 %).

FI portfolio

AUD 1,290,306

Since the last update on my FI portfolio has increased with AUD 9,487 (+ 0.74 %).

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 73,627 +5,031 78,658
Investments 370,891 -2,466 368,425
Retirement acc 836,301 +6,922 843,223
Real estate 1,205,000 0 1,205,000
Other assets 0 0 0
Total assets 2,485,819 +9,487 2,495,306

Mortgage 739,466 -2,622 736,844
Other debt 0 0 0
Total debt 739,466 -2,622 736,844
Change
Cash 80,144 -1,486 78,658
Investments 313,493 +54,932 368,425
Retirement acc 780,710 +62,513 843,223
Real estate 1,205,000 0 1,205,000
Other assets 0 0 0
Total assets 2,379,347 +115,959 2,495,306

Mortgage 750,045 -13,201 736,844
Other debt 0 0 0
Total debt 750,045 -13,201 736,844
Change
Cash 79,633 -975 78,658
Investments 265,933 +102,492 368,425
Retirement acc 731,184 +112,039 843,223
Real estate 1,205,000 0 1,205,000
Other assets 0 0 0
Total assets 2,281,750 +213,556 2,495,306

Mortgage 761,931 -25,087 736,844
Other debt 0 0 0
Total debt 761,931 -25,087 736,844

I am now 30.4% on my way to achive my FIRE target of AUD 4,250,000. This is 0.2 percentage points closer, compared to the last net worth update.

AUD 1,290,306 FIRE target: AUD 4,250,000


30.4%

FI portfolio

My FI portfolio now consists of AUD 368,425 (28.6%) in investments, AUD 843,223 (65.4%) in retirement accounts, and AUD 78,658 (6.1%) in cash.

Investments

Since my last update, my investments decreased with AUD -2,466 (-0.66%).

Since I started tracking, my total contributions have been AUD 115,287, and my total return has been AUD 81,275.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 6,922 (0.83%), of which AUD 3,300 was from contributions , and AUD 16,214 was from returns.

Since I started tracking, my total contributions have been AUD 63,022, and my total return is AUD 181,414.




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

If I quit working today, my monthly pay out would be AUD 4,301 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
4,301/month
(4.0% SWR)
3,763/month
(3.5% SWR)
3,225/month
(3.0% SWR)


When can I retire?

FI date

My age

52

I am currently aiming to save/invest approximately AUD 6,033 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 4,250,000 in 8 years and 0 months, in , and at that time I will be 52 years old.

By that time I will have invested/saved another AUD 868,752, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 2,090,942


Financial independence forecast