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Net worth update per


This is k3nsh1n78's #65 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 840,069 and my FI portfolio decreased to AUD 513,589


Net worth

AUD 840,069

Since the last update on my net worth has increased with AUD 419 (+ 0.05 %).

FI portfolio

AUD 513,589

Since the last update on my FI portfolio has decreased with AUD -181 ( -0.04 %).

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 229,650 +1,200 230,850
Investments 84,943 -949 83,994
Retirement acc 199,177 -432 198,745
Real estate 1,585,000 0 1,585,000
Other assets 25,550 -100 25,450
Total assets 2,124,320 -281 2,124,039

Mortgage 1,284,670 -700 1,283,970
Other debt 0 0 0
Total debt 1,284,670 -700 1,283,970
Change
Cash 193,950 +36,900 230,850
Investments 52,443 +31,551 83,994
Retirement acc 159,480 +39,265 198,745
Real estate 1,585,000 0 1,585,000
Other assets 34,040 -8,590 25,450
Total assets 2,024,913 +99,126 2,124,039

Mortgage 1,294,170 -10,200 1,283,970
Other debt 0 0 0
Total debt 1,294,170 -10,200 1,283,970
Change
Cash 147,750 +83,100 230,850
Investments 37,355 +46,639 83,994
Retirement acc 136,402 +62,343 198,745
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -11,830 25,450
Total assets 1,943,787 +180,252 2,124,039

Mortgage 1,300,865 -16,895 1,283,970
Other debt 0 0 0
Total debt 1,300,865 -16,895 1,283,970

I am now 34.2% on my way to achive my FIRE target of AUD 1,500,000. This is -0.0 percentage points closer, compared to the last net worth update.

AUD 513,589 FIRE target: AUD 1,500,000


34.2%

FI portfolio

My FI portfolio now consists of AUD 83,994 (16.4%) in investments, AUD 198,745 (38.7%) in retirement accounts, and AUD 230,850 (44.9%) in cash.

Investments

Since my last update, my investments decreased with AUD -949 (-1.12%).

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 -432 (-0.22%), 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 1,711 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,711/month
(4.0% SWR)
1,497/month
(3.5% SWR)
1,283/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 354,411


Financial independence forecast