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This is k3nsh1n78's #55 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 805,354 and my FI portfolio increased to AUD 480,764


Net worth

AUD 805,354

Since the last update on my net worth has increased with AUD 3,014 (+ 0.38 %).

FI portfolio

AUD 480,764

Since the last update on my FI portfolio has increased with AUD 2,744 (+ 0.57 %).

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 219,000 -500 218,500
Investments 72,197 +1,523 73,720
Retirement acc 186,823 +1,721 188,544
Real estate 1,585,000 0 1,585,000
Other assets 26,550 -100 26,450
Total assets 2,089,570 +2,644 2,092,214

Mortgage 1,287,230 -370 1,286,860
Other debt 0 0 0
Total debt 1,287,230 -370 1,286,860
Change
Cash 193,950 +24,550 218,500
Investments 52,443 +21,277 73,720
Retirement acc 159,480 +29,064 188,544
Real estate 1,585,000 0 1,585,000
Other assets 34,040 -7,590 26,450
Total assets 2,024,913 +67,301 2,092,214

Mortgage 1,294,170 -7,310 1,286,860
Other debt 0 0 0
Total debt 1,294,170 -7,310 1,286,860
Change
Cash 147,750 +70,750 218,500
Investments 37,355 +36,365 73,720
Retirement acc 136,402 +52,142 188,544
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -10,830 26,450
Total assets 1,943,787 +148,427 2,092,214

Mortgage 1,300,865 -14,005 1,286,860
Other debt 0 0 0
Total debt 1,300,865 -14,005 1,286,860

I am now 32.1% on my way to achive my FIRE target of AUD 1,500,000. This is 0.2 percentage points closer, compared to the last net worth update.

AUD 480,764 FIRE target: AUD 1,500,000


32.1%

FI portfolio

My FI portfolio now consists of AUD 73,720 (15.3%) in investments, AUD 188,544 (39.2%) in retirement accounts, and AUD 218,500 (45.4%) in cash.

Investments

Since my last update, my investments increased with AUD 1,523 (2.11%).

Since I started tracking, my total contributions have been AUD 221,495, and my total return has been AUD -245,215.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 1,721 (0.92%), of which AUD 2,233 was from contributions , and AUD -6,788 was from returns.

Since I started tracking, my total contributions have been AUD 144,919, and my total return is AUD 73,383.




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

If I quit working today, my monthly pay out would be AUD 1,602 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,602/month
(4.0% SWR)
1,402/month
(3.5% SWR)
1,201/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 3 years and 11 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another AUD 648,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 371,236


Financial independence forecast