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Net worth update per


This is k3nsh1n78's #73 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 859,798 and my FI portfolio increased to AUD 531,868


Net worth

AUD 859,798

Since the last update on my net worth has increased with AUD 9,109 (+ 1.07 %).

FI portfolio

AUD 531,868

Since the last update on my FI portfolio has increased with AUD 8,509 (+ 1.63 %).

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 236,300 +2,400 238,700
Investments 86,479 +2,972 89,451
Retirement acc 200,580 +3,137 203,717
Real estate 1,585,000 0 1,585,000
Other assets 24,750 -100 24,650
Total assets 2,133,109 +8,409 2,141,518

Mortgage 1,282,420 -700 1,281,720
Other debt 0 0 0
Total debt 1,282,420 -700 1,281,720
Change
Cash 193,950 +44,750 238,700
Investments 52,443 +37,008 89,451
Retirement acc 159,480 +44,237 203,717
Real estate 1,585,000 0 1,585,000
Other assets 34,040 -9,390 24,650
Total assets 2,024,913 +116,605 2,141,518

Mortgage 1,294,170 -12,450 1,281,720
Other debt 0 0 0
Total debt 1,294,170 -12,450 1,281,720
Change
Cash 147,750 +90,950 238,700
Investments 37,355 +52,096 89,451
Retirement acc 136,402 +67,315 203,717
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -12,630 24,650
Total assets 1,943,787 +197,731 2,141,518

Mortgage 1,300,865 -19,145 1,281,720
Other debt 0 0 0
Total debt 1,300,865 -19,145 1,281,720

I am now 35.5% on my way to achive my FIRE target of AUD 1,500,000. This is 0.6 percentage points closer, compared to the last net worth update.

AUD 531,868 FIRE target: AUD 1,500,000


35.5%

FI portfolio

My FI portfolio now consists of AUD 89,451 (16.8%) in investments, AUD 203,717 (38.3%) in retirement accounts, and AUD 238,700 (44.9%) in cash.

Investments

Since my last update, my investments increased with AUD 2,972 (3.44%).

Since I started tracking, my total contributions have been AUD 221,495, and my total return has been AUD -237,960.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 3,137 (1.56%), of which AUD 400 was from contributions , and AUD 7,935 was from returns.

Since I started tracking, my total contributions have been AUD 175,203, and my total return is AUD 113,570.




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

If I quit working today, my monthly pay out would be AUD 1,772 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,772/month
(4.0% SWR)
1,551/month
(3.5% SWR)
1,329/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 8% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 1,500,000 in 2 years and 5 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another AUD 592,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 376,132


Financial independence forecast