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Net worth update per


This is k3nsh1n78's #82 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 877,734 and my FI portfolio decreased to AUD 442,820


Net worth

AUD 877,734

Since the last update on my net worth has decreased with AUD -3,876 ( -0.44 %).

FI portfolio

AUD 442,820

Since the last update on my FI portfolio has decreased with AUD -6,976 ( -1.55 %).

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 94,700 -6,500 88,200
Investments 144,343 +1,471 145,814
Retirement acc 210,753 -1,947 208,806
Real estate 1,585,000 0 1,585,000
Other assets 23,850 -100 23,750
Total assets 2,058,646 -7,076 2,051,570

Mortgage 1,177,036 -3,200 1,173,836
Other debt 0 0 0
Total debt 1,177,036 -3,200 1,173,836
Change
Cash 96,500 -8,300 88,200
Investments 143,236 +2,578 145,814
Retirement acc 208,854 -48 208,806
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -200 23,750
Total assets 2,057,540 -5,970 2,051,570

Mortgage 1,176,315 -2,479 1,173,836
Other debt 0 0 0
Total debt 1,176,315 -2,479 1,173,836
Change
Cash 147,750 -59,550 88,200
Investments 37,355 +108,459 145,814
Retirement acc 136,402 +72,404 208,806
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -13,530 23,750
Total assets 1,943,787 +107,783 2,051,570

Mortgage 1,300,865 -127,029 1,173,836
Other debt 0 0 0
Total debt 1,300,865 -127,029 1,173,836

I am now 29.5% on my way to achive my FIRE target of AUD 1,500,000. This is -0.5 percentage points closer, compared to the last net worth update.

AUD 442,820 FIRE target: AUD 1,500,000


29.5%

FI portfolio

My FI portfolio now consists of AUD 145,814 (32.9%) in investments, AUD 208,806 (47.2%) in retirement accounts, and AUD 88,200 (19.9%) in cash.

Investments

Since my last update, my investments increased with AUD 1,471 (1.02%).

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 decreased with AUD -1,947 (-0.92%), 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 1,476 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,476/month
(4.0% SWR)
1,291/month
(3.5% SWR)
1,107/month
(3.0% SWR)


When can I retire?

FI date

My age

50

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 8 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another AUD 624,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 433,180


Financial independence forecast