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Net worth update per


This is k3nsh1n78's #95 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 883,723 and my FI portfolio decreased to AUD 440,835


Net worth

AUD 883,723

Since the last update on my net worth has decreased with AUD -283 ( -0.03 %).

FI portfolio

AUD 440,835

Since the last update on my FI portfolio has decreased with AUD -4,083 ( -0.92 %).

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 51,900 -4,650 47,250
Investments 182,534 +57 182,591
Retirement acc 210,484 +510 210,994
Real estate 1,585,000 0 1,585,000
Other assets 22,550 -100 22,450
Total assets 2,052,468 -4,183 2,048,285

Mortgage 1,168,462 -3,900 1,164,562
Other debt 0 0 0
Total debt 1,168,462 -3,900 1,164,562
Change
Cash 96,500 -49,250 47,250
Investments 143,236 +39,355 182,591
Retirement acc 208,854 +2,140 210,994
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -1,500 22,450
Total assets 2,057,540 -9,255 2,048,285

Mortgage 1,176,315 -11,753 1,164,562
Other debt 0 0 0
Total debt 1,176,315 -11,753 1,164,562
Change
Cash 147,750 -100,500 47,250
Investments 37,355 +145,236 182,591
Retirement acc 136,402 +74,592 210,994
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -14,830 22,450
Total assets 1,943,787 +104,498 2,048,285

Mortgage 1,300,865 -136,303 1,164,562
Other debt 0 0 0
Total debt 1,300,865 -136,303 1,164,562

I am now 29.4% 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 440,835 FIRE target: AUD 1,500,000


29.4%

FI portfolio

My FI portfolio now consists of AUD 182,591 (41.4%) in investments, AUD 210,994 (47.9%) in retirement accounts, and AUD 47,250 (10.7%) in cash.

Investments

Since my last update, my investments increased with AUD 57 (0.03%).

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 increased with AUD 510 (0.24%), 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)
1,102/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 3 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another AUD 616,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 443,165


Financial independence forecast