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Net worth update per


This is k3nsh1n78's #84 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 876,168 and my FI portfolio decreased to AUD 440,754


Net worth

AUD 876,168

Since the last update on my net worth has decreased with AUD -3,721 ( -0.42 %).

FI portfolio

AUD 440,754

Since the last update on my FI portfolio has decreased with AUD -3,621 ( -0.81 %).

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 87,800 -800 87,000
Investments 146,297 +678 146,975
Retirement acc 210,278 -3,499 206,779
Real estate 1,585,000 0 1,585,000
Other assets 23,650 -100 23,550
Total assets 2,053,025 -3,721 2,049,304

Mortgage 1,173,136 0 1,173,136
Other debt 0 0 0
Total debt 1,173,136 0 1,173,136
Change
Cash 96,500 -9,500 87,000
Investments 143,236 +3,739 146,975
Retirement acc 208,854 -2,075 206,779
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -400 23,550
Total assets 2,057,540 -8,236 2,049,304

Mortgage 1,176,315 -3,179 1,173,136
Other debt 0 0 0
Total debt 1,176,315 -3,179 1,173,136
Change
Cash 147,750 -60,750 87,000
Investments 37,355 +109,620 146,975
Retirement acc 136,402 +70,377 206,779
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -13,730 23,550
Total assets 1,943,787 +105,517 2,049,304

Mortgage 1,300,865 -127,729 1,173,136
Other debt 0 0 0
Total debt 1,300,865 -127,729 1,173,136

I am now 29.4% on my way to achive my FIRE target of AUD 1,500,000. This is -0.2 percentage points closer, compared to the last net worth update.

AUD 440,754 FIRE target: AUD 1,500,000


29.4%

FI portfolio

My FI portfolio now consists of AUD 146,975 (33.3%) in investments, AUD 206,779 (46.9%) in retirement accounts, and AUD 87,000 (19.7%) in cash.

Investments

Since my last update, my investments increased with AUD 678 (0.46%).

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 -3,499 (-1.66%), 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 1,469 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,469/month
(4.0% SWR)
1,285/month
(3.5% SWR)
1,101/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 3 years and 0 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 435,246


Financial independence forecast