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Net worth update per


This is k3nsh1n78's #101 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 879,272 and my FI portfolio increased to AUD 433,452


Net worth

AUD 879,272

Since the last update on my net worth has increased with AUD 3,682 (+ 0.42 %).

FI portfolio

AUD 433,452

Since the last update on my FI portfolio has increased with AUD 3,082 (+ 0.72 %).

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 42,100 +600 42,700
Investments 185,991 +871 186,862
Retirement acc 202,279 +1,611 203,890
Real estate 1,585,000 0 1,585,000
Other assets 21,950 -100 21,850
Total assets 2,037,320 +2,982 2,040,302

Mortgage 1,161,730 -700 1,161,030
Other debt 0 0 0
Total debt 1,161,730 -700 1,161,030
Change
Cash 96,500 -53,800 42,700
Investments 143,236 +43,626 186,862
Retirement acc 208,854 -4,964 203,890
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -2,100 21,850
Total assets 2,057,540 -17,238 2,040,302

Mortgage 1,176,315 -15,285 1,161,030
Other debt 0 0 0
Total debt 1,176,315 -15,285 1,161,030
Change
Cash 147,750 -105,050 42,700
Investments 37,355 +149,507 186,862
Retirement acc 136,402 +67,488 203,890
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -15,430 21,850
Total assets 1,943,787 +96,515 2,040,302

Mortgage 1,300,865 -139,835 1,161,030
Other debt 0 0 0
Total debt 1,300,865 -139,835 1,161,030

I am now 28.9% 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 433,452 FIRE target: AUD 1,500,000


28.9%

FI portfolio

My FI portfolio now consists of AUD 186,862 (43.1%) in investments, AUD 203,890 (47.0%) in retirement accounts, and AUD 42,700 (9.9%) in cash.

Investments

Since my last update, my investments increased with AUD 871 (0.47%).

Since I started tracking, my total contributions have been AUD 221,495, and my total return has been AUD -243,965.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 1,611 (0.8%), of which AUD 2,447 was from contributions , and AUD 3,442 was from returns.

Since I started tracking, my total contributions have been AUD 142,686, and my total return is AUD 80,171.




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be AUD 1,444 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,444/month
(4.0% SWR)
1,264/month
(3.5% SWR)
1,083/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 7% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 1,500,000 in 4 years and 10 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another AUD 648,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 418,548


Financial independence forecast