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Net worth update per


This is subversity's #15 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 294,333 and my FI portfolio increased to AUD 352,933


Net worth

AUD 294,333

Since the last update on my net worth has increased with AUD 14,031 (+ 5.01 %).

FI portfolio

AUD 352,933

Since the last update on my FI portfolio has increased with AUD 14,031 (+ 4.14 %).

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 +5,000 6,000
Investments 280,000 +6,300 286,300
Retirement acc 57,902 +2,731 60,633
Real estate 0 0 0
Other assets 0 0 0
Total assets 338,902 +14,031 352,933

Mortgage 0 0 0
Other debt 58,600 0 58,600
Total debt 58,600 0 58,600
Change
Cash 4,000 +2,000 6,000
Investments 186,000 +100,300 286,300
Retirement acc 42,900 +17,733 60,633
Real estate 0 0 0
Other assets 0 0 0
Total assets 232,900 +120,033 352,933

Mortgage 0 0 0
Other debt 48,700 + 9,900 58,600
Total debt 48,700 + 9,900 58,600
Change
Cash 23,000 -17,000 6,000
Investments 123,000 +163,300 286,300
Retirement acc 36,000 +24,633 60,633
Real estate 0 0 0
Other assets 0 0 0
Total assets 182,000 +170,933 352,933

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

I am now 47.1% on my way to achive my FIRE target of AUD 750,000. This is 1.9 percentage points closer, compared to the last net worth update.

AUD 352,933 FIRE target: AUD 750,000


47.1%

FI portfolio

My FI portfolio now consists of AUD 286,300 (81.1%) in investments, AUD 60,633 (17.2%) in retirement accounts, and AUD 6,000 (1.7%) in cash.

Investments

Since my last update, my investments increased with AUD 6,300 (2.25%), 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 2,731 (4.72%), 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 1,176 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,176/month
(4.0% SWR)
1,029/month
(3.5% SWR)
882/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 5 months, in , and at that time I will be 40 years old.

By that time I will have invested/saved another AUD 192,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 205,067


Financial independence forecast