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Net worth update per


This is subversity's #13 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 269,339 and my FI portfolio increased to AUD 327,939


Net worth

AUD 269,339

Since the last update on my net worth has increased with AUD 15,121 (+ 5.95 %).

FI portfolio

AUD 327,939

Since the last update on my FI portfolio has increased with AUD 15,121 (+ 4.83 %).

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 1,000 0 1,000
Investments 257,300 +12,700 270,000
Retirement acc 54,518 +2,421 56,939
Real estate 0 0 0
Other assets 0 0 0
Total assets 312,818 +15,121 327,939

Mortgage 0 0 0
Other debt 58,600 0 58,600
Total debt 58,600 0 58,600
Change
Cash 4,000 -3,000 1,000
Investments 186,000 +84,000 270,000
Retirement acc 42,900 +14,039 56,939
Real estate 0 0 0
Other assets 0 0 0
Total assets 232,900 +95,039 327,939

Mortgage 0 0 0
Other debt 48,700 + 9,900 58,600
Total debt 48,700 + 9,900 58,600
Change
Cash 23,000 -22,000 1,000
Investments 123,000 +147,000 270,000
Retirement acc 36,000 +20,939 56,939
Real estate 0 0 0
Other assets 0 0 0
Total assets 182,000 +145,939 327,939

Mortgage 0 0 0
Other debt 37,450 + 21,150 58,600
Total debt 37,450 + 21,150 58,600

I am now 43.7% on my way to achive my FIRE target of AUD 750,000. This is 2.0 percentage points closer, compared to the last net worth update.

AUD 327,939 FIRE target: AUD 750,000


43.7%

FI portfolio

My FI portfolio now consists of AUD 270,000 (82.3%) in investments, AUD 56,939 (17.4%) in retirement accounts, and AUD 1,000 (0.3%) in cash.

Investments

Since my last update, my investments increased with AUD 12,700 (4.94%), of which AUD 8,000 was from contributions, and AUD -3,300 was from returns.

Since I started tracking, my total contributions have been AUD 126,153, and my total return has been AUD 41,847.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 2,421 (4.44%), of which AUD 800 was from contributions , and AUD 417 was from returns.

Since I started tracking, my total contributions have been AUD 20,383, and my total return is AUD 5,467.




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

If I quit working today, my monthly pay out would be AUD 1,093 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,093/month
(4.0% SWR)
956/month
(3.5% SWR)
819/month
(3.0% SWR)


When can I retire?

FI date

My age

40

I am currently aiming to save/invest approximately AUD 4,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 750,000 in 1 years and 6 months, in , and at that time I will be 40 years old.

By that time I will have invested/saved another AUD 204,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 218,061


Financial independence forecast