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Net worth update per


This is k3nsh1n78's #53 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 802,541 and my FI portfolio increased to AUD 478,121


Net worth

AUD 802,541

Since the last update on my net worth has increased with AUD 1,917 (+ 0.24 %).

FI portfolio

AUD 478,121

Since the last update on my FI portfolio has increased with AUD 1,317 (+ 0.28 %).

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 218,600 -700 217,900
Investments 73,133 -24 73,109
Retirement acc 185,071 +2,041 187,112
Real estate 1,585,000 0 1,585,000
Other assets 26,750 -100 26,650
Total assets 2,088,554 +1,217 2,089,771

Mortgage 1,287,930 -700 1,287,230
Other debt 0 0 0
Total debt 1,287,930 -700 1,287,230
Change
Cash 193,950 +23,950 217,900
Investments 52,443 +20,666 73,109
Retirement acc 159,480 +27,632 187,112
Real estate 1,585,000 0 1,585,000
Other assets 34,040 -7,390 26,650
Total assets 2,024,913 +64,858 2,089,771

Mortgage 1,294,170 -6,940 1,287,230
Other debt 0 0 0
Total debt 1,294,170 -6,940 1,287,230
Change
Cash 147,750 +70,150 217,900
Investments 37,355 +35,754 73,109
Retirement acc 136,402 +50,710 187,112
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -10,630 26,650
Total assets 1,943,787 +145,984 2,089,771

Mortgage 1,300,865 -13,635 1,287,230
Other debt 0 0 0
Total debt 1,300,865 -13,635 1,287,230

I am now 31.9% on my way to achive my FIRE target of AUD 1,500,000. This is 0.1 percentage points closer, compared to the last net worth update.

AUD 478,121 FIRE target: AUD 1,500,000


31.9%

FI portfolio

My FI portfolio now consists of AUD 73,109 (15.3%) in investments, AUD 187,112 (39.1%) in retirement accounts, and AUD 217,900 (45.6%) in cash.

Investments

Since my last update, my investments decreased with AUD -24 (-0.03%).

Since I started tracking, my total contributions have been AUD 221,495, and my total return has been AUD -243,965.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 2,041 (1.1%), of which AUD 2,447 was from contributions , and AUD 3,442 was from returns.

Since I started tracking, my total contributions have been AUD 142,686, and my total return is AUD 80,171.




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

If I quit working today, my monthly pay out would be AUD 1,593 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,593/month
(4.0% SWR)
1,394/month
(3.5% SWR)
1,195/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 7% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 1,500,000 in 4 years and 0 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another AUD 656,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 365,879


Financial independence forecast