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Net worth update per


This is k3nsh1n78's #115 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 910,491 and my FI portfolio decreased to AUD 456,831


Net worth

AUD 910,491

Since the last update on my net worth has decreased with AUD -3,891 ( -0.43 %).

FI portfolio

AUD 456,831

Since the last update on my FI portfolio has decreased with AUD -4,541 ( -0.98 %).

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 38,050 +950 39,000
Investments 202,858 -1,895 200,963
Retirement acc 220,464 -3,596 216,868
Real estate 1,585,000 0 1,585,000
Other assets 20,550 -100 20,450
Total assets 2,066,922 -4,641 2,062,281

Mortgage 1,152,540 -750 1,151,790
Other debt 0 0 0
Total debt 1,152,540 -750 1,151,790
Change
Cash 96,500 -57,500 39,000
Investments 143,236 +57,727 200,963
Retirement acc 208,854 +8,014 216,868
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -3,500 20,450
Total assets 2,057,540 +4,741 2,062,281

Mortgage 1,176,315 -24,525 1,151,790
Other debt 0 0 0
Total debt 1,176,315 -24,525 1,151,790
Change
Cash 147,750 -108,750 39,000
Investments 37,355 +163,608 200,963
Retirement acc 136,402 +80,466 216,868
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -16,830 20,450
Total assets 1,943,787 +118,494 2,062,281

Mortgage 1,300,865 -149,075 1,151,790
Other debt 0 0 0
Total debt 1,300,865 -149,075 1,151,790

I am now 30.5% 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 456,831 FIRE target: AUD 1,500,000


30.5%

FI portfolio

My FI portfolio now consists of AUD 200,963 (44.0%) in investments, AUD 216,868 (47.5%) in retirement accounts, and AUD 39,000 (8.5%) in cash.

Investments

Since my last update, my investments decreased with AUD -1,895 (-0.93%).

Since I started tracking, my total contributions have been AUD 221,495, and my total return has been AUD -245,215.

Retirement accounts

Since my last update, my retirement accounts decreased with AUD -3,596 (-1.63%), of which AUD 2,233 was from contributions , and AUD -6,788 was from returns.

Since I started tracking, my total contributions have been AUD 144,919, and my total return is AUD 73,383.




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

If I quit working today, my monthly pay out would be AUD 1,522 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,522/month
(4.0% SWR)
1,332/month
(3.5% SWR)
1,142/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 632,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 411,169


Financial independence forecast