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This is k3nsh1n78's #109 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 880,897 and my FI portfolio increased to AUD 430,127


Net worth

AUD 880,897

Since the last update on my net worth has increased with AUD 1,141 (+ 0.13 %).

FI portfolio

AUD 430,127

Since the last update on my FI portfolio has increased with AUD 541 (+ 0.13 %).

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 37,450 +1,600 39,050
Investments 188,946 -1,783 187,163
Retirement acc 203,190 +724 203,914
Real estate 1,585,000 0 1,585,000
Other assets 21,150 -100 21,050
Total assets 2,035,736 +441 2,036,177

Mortgage 1,155,980 -700 1,155,280
Other debt 0 0 0
Total debt 1,155,980 -700 1,155,280
Change
Cash 96,500 -57,450 39,050
Investments 143,236 +43,927 187,163
Retirement acc 208,854 -4,940 203,914
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -2,900 21,050
Total assets 2,057,540 -21,363 2,036,177

Mortgage 1,176,315 -21,035 1,155,280
Other debt 0 0 0
Total debt 1,176,315 -21,035 1,155,280
Change
Cash 147,750 -108,700 39,050
Investments 37,355 +149,808 187,163
Retirement acc 136,402 +67,512 203,914
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -16,230 21,050
Total assets 1,943,787 +92,390 2,036,177

Mortgage 1,300,865 -145,585 1,155,280
Other debt 0 0 0
Total debt 1,300,865 -145,585 1,155,280

I am now 28.7% on my way to achive my FIRE target of AUD 1,500,000. This is 0.0 percentage points closer, compared to the last net worth update.

AUD 430,127 FIRE target: AUD 1,500,000


28.7%

FI portfolio

My FI portfolio now consists of AUD 187,163 (43.5%) in investments, AUD 203,914 (47.4%) in retirement accounts, and AUD 39,050 (9.1%) in cash.

Investments

Since my last update, my investments decreased with AUD -1,783 (-0.94%).

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 724 (0.36%), 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 1,433 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,433/month
(4.0% SWR)
1,254/month
(3.5% SWR)
1,075/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 11 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 421,873


Financial independence forecast