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Net worth update per


This is k3nsh1n78's #85 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 872,037 and my FI portfolio decreased to AUD 436,323


Net worth

AUD 872,037

Since the last update on my net worth has decreased with AUD -4,131 ( -0.47 %).

FI portfolio

AUD 436,323

Since the last update on my FI portfolio has decreased with AUD -4,431 ( -1.01 %).

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 87,000 -9,400 77,600
Investments 146,975 +11,804 158,779
Retirement acc 206,779 -6,835 199,944
Real estate 1,585,000 0 1,585,000
Other assets 23,550 -100 23,450
Total assets 2,049,304 -4,531 2,044,773

Mortgage 1,173,136 -400 1,172,736
Other debt 0 0 0
Total debt 1,173,136 -400 1,172,736
Change
Cash 96,500 -18,900 77,600
Investments 143,236 +15,543 158,779
Retirement acc 208,854 -8,910 199,944
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -500 23,450
Total assets 2,057,540 -12,767 2,044,773

Mortgage 1,176,315 -3,579 1,172,736
Other debt 0 0 0
Total debt 1,176,315 -3,579 1,172,736
Change
Cash 147,750 -70,150 77,600
Investments 37,355 +121,424 158,779
Retirement acc 136,402 +63,542 199,944
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -13,830 23,450
Total assets 1,943,787 +100,986 2,044,773

Mortgage 1,300,865 -128,129 1,172,736
Other debt 0 0 0
Total debt 1,300,865 -128,129 1,172,736

I am now 29.1% on my way to achive my FIRE target of AUD 1,500,000. This is -0.3 percentage points closer, compared to the last net worth update.

AUD 436,323 FIRE target: AUD 1,500,000


29.1%

FI portfolio

My FI portfolio now consists of AUD 158,779 (36.4%) in investments, AUD 199,944 (45.8%) in retirement accounts, and AUD 77,600 (17.8%) in cash.

Investments

Since my last update, my investments increased with AUD 11,804 (8.03%).

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 -6,835 (-3.31%), 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 1,454 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,454/month
(4.0% SWR)
1,272/month
(3.5% SWR)
1,090/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 439,677


Financial independence forecast