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This is k3nsh1n78's #62 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 835,597 and my FI portfolio increased to AUD 509,917


Net worth

AUD 835,597

Since the last update on my net worth has increased with AUD 4,228 (+ 0.51 %).

FI portfolio

AUD 509,917

Since the last update on my FI portfolio has increased with AUD 4,328 (+ 0.86 %).

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 226,800 +1,700 228,500
Investments 80,612 +2,767 83,379
Retirement acc 198,177 -139 198,038
Real estate 1,585,000 0 1,585,000
Other assets 25,850 -100 25,750
Total assets 2,116,439 +4,228 2,120,667

Mortgage 1,285,070 0 1,285,070
Other debt 0 0 0
Total debt 1,285,070 0 1,285,070
Change
Cash 193,950 +34,550 228,500
Investments 52,443 +30,936 83,379
Retirement acc 159,480 +38,558 198,038
Real estate 1,585,000 0 1,585,000
Other assets 34,040 -8,290 25,750
Total assets 2,024,913 +95,754 2,120,667

Mortgage 1,294,170 -9,100 1,285,070
Other debt 0 0 0
Total debt 1,294,170 -9,100 1,285,070
Change
Cash 147,750 +80,750 228,500
Investments 37,355 +46,024 83,379
Retirement acc 136,402 +61,636 198,038
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -11,530 25,750
Total assets 1,943,787 +176,880 2,120,667

Mortgage 1,300,865 -15,795 1,285,070
Other debt 0 0 0
Total debt 1,300,865 -15,795 1,285,070

I am now 34.0% on my way to achive my FIRE target of AUD 1,500,000. This is 0.3 percentage points closer, compared to the last net worth update.

AUD 509,917 FIRE target: AUD 1,500,000


34.0%

FI portfolio

My FI portfolio now consists of AUD 83,379 (16.4%) in investments, AUD 198,038 (38.8%) in retirement accounts, and AUD 228,500 (44.8%) in cash.

Investments

Since my last update, my investments increased with AUD 2,767 (3.43%).

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 decreased with AUD -139 (-0.07%), 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 1,699 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,699/month
(4.0% SWR)
1,487/month
(3.5% SWR)
1,274/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 632,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 358,083


Financial independence forecast