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Net worth update per April 16th 2022


This is k3nsh1n78's #96 net worth update. Please check out my profile here for more information. As of April 16th 2022, my net worth increased to AUD 886,169 and my FI portfolio increased to AUD 443,381


Net worth

AUD 886,169

Since the last update on April 9th 2022 my net worth has increased with AUD 2,446 (+ 0.28 %).

FI portfolio

AUD 443,381

Since the last update on April 9th 2022 my FI portfolio has increased with AUD 2,546 (+ 0.58 %).

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.
9 Apr 22 Change 16 Apr 22
Cash 47,250 +1,100 48,350
Investments 182,591 +1,302 183,893
Retirement acc 210,994 +144 211,138
Real estate 1,585,000 0 1,585,000
Other assets 22,450 -100 22,350
Total assets 2,048,285 +2,446 2,050,731

Mortgage 1,164,562 0 1,164,562
Other debt 0 0 0
Total debt 1,164,562 0 1,164,562
25 Dec 21 Change 16 Apr 22
Cash 96,500 -48,150 48,350
Investments 143,236 +40,657 183,893
Retirement acc 208,854 +2,284 211,138
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -1,600 22,350
Total assets 2,057,540 -6,809 2,050,731

Mortgage 1,176,315 -11,753 1,164,562
Other debt 0 0 0
Total debt 1,176,315 -11,753 1,164,562
20 Jun 20 Change 16 Apr 22
Cash 147,750 -99,400 48,350
Investments 37,355 +146,538 183,893
Retirement acc 136,402 +74,736 211,138
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -14,930 22,350
Total assets 1,943,787 +106,944 2,050,731

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 29.6% 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 443,381 FIRE target: AUD 1,500,000


29.6%

FI portfolio

My FI portfolio now consists of AUD 183,893 (41.5%) in investments, AUD 211,138 (47.6%) in retirement accounts, and AUD 48,350 (10.9%) in cash.

Investments

Since my last update, my investments increased with AUD 1,302 (0.71%).

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 144 (0.07%), 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 1,477 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,477/month
(4.0% SWR)
1,293/month
(3.5% SWR)
1,108/month
(3.0% SWR)


When can I retire?

FI date

August 2028

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 2 months, in August 2028, and at that time I will be 50 years old.

By that time I will have invested/saved another AUD 608,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 448,619


Financial independence forecast