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Net worth update per


This is k3nsh1n78's #119 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 902,161 and my FI portfolio decreased to AUD 446,431


Net worth

AUD 902,161

Since the last update on my net worth has decreased with AUD -3,266 ( -0.36 %).

FI portfolio

AUD 446,431

Since the last update on my FI portfolio has decreased with AUD -3,916 ( -0.87 %).

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 33,700 -3,250 30,450
Investments 201,721 +2,442 204,163
Retirement acc 214,926 -3,108 211,818
Real estate 1,585,000 0 1,585,000
Other assets 20,150 -100 20,050
Total assets 2,055,497 -4,016 2,051,481

Mortgage 1,150,070 -750 1,149,320
Other debt 0 0 0
Total debt 1,150,070 -750 1,149,320
Change
Cash 96,500 -66,050 30,450
Investments 143,236 +60,927 204,163
Retirement acc 208,854 +2,964 211,818
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -3,900 20,050
Total assets 2,057,540 -6,059 2,051,481

Mortgage 1,176,315 -26,995 1,149,320
Other debt 0 0 0
Total debt 1,176,315 -26,995 1,149,320
Change
Cash 147,750 -117,300 30,450
Investments 37,355 +166,808 204,163
Retirement acc 136,402 +75,416 211,818
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -17,230 20,050
Total assets 1,943,787 +107,694 2,051,481

Mortgage 1,300,865 -151,545 1,149,320
Other debt 0 0 0
Total debt 1,300,865 -151,545 1,149,320

I am now 29.8% 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 446,431 FIRE target: AUD 1,500,000


29.8%

FI portfolio

My FI portfolio now consists of AUD 204,163 (45.7%) in investments, AUD 211,818 (47.4%) in retirement accounts, and AUD 30,450 (6.8%) in cash.

Investments

Since my last update, my investments increased with AUD 2,442 (1.21%).

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 decreased with AUD -3,108 (-1.45%), 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 1,488 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,488/month
(4.0% SWR)
1,302/month
(3.5% SWR)
1,116/month
(3.0% SWR)


When can I retire?

FI date

My age

51

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 5 years and 1 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another AUD 640,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 413,569


Financial independence forecast