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Net worth update per


This is k3nsh1n78's #122 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 914,234 and my FI portfolio decreased to AUD 457,004


Net worth

AUD 914,234

Since the last update on my net worth has decreased with AUD -1,018 ( -0.11 %).

FI portfolio

AUD 457,004

Since the last update on my FI portfolio has decreased with AUD -918 ( -0.2 %).

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 61,950 -2,900 59,050
Investments 179,514 +3,629 183,143
Retirement acc 216,458 -1,647 214,811
Real estate 1,585,000 0 1,585,000
Other assets 19,850 -100 19,750
Total assets 2,062,772 -1,018 2,061,754

Mortgage 1,147,520 0 1,147,520
Other debt 0 0 0
Total debt 1,147,520 0 1,147,520
Change
Cash 96,500 -37,450 59,050
Investments 143,236 +39,907 183,143
Retirement acc 208,854 +5,957 214,811
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -4,200 19,750
Total assets 2,057,540 +4,214 2,061,754

Mortgage 1,176,315 -28,795 1,147,520
Other debt 0 0 0
Total debt 1,176,315 -28,795 1,147,520
Change
Cash 147,750 -88,700 59,050
Investments 37,355 +145,788 183,143
Retirement acc 136,402 +78,409 214,811
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -17,530 19,750
Total assets 1,943,787 +117,967 2,061,754

Mortgage 1,300,865 -153,345 1,147,520
Other debt 0 0 0
Total debt 1,300,865 -153,345 1,147,520

I am now 30.5% on my way to achive my FIRE target of AUD 1,500,000. This is -0.1 percentage points closer, compared to the last net worth update.

AUD 457,004 FIRE target: AUD 1,500,000


30.5%

FI portfolio

My FI portfolio now consists of AUD 183,143 (40.1%) in investments, AUD 214,811 (47.0%) in retirement accounts, and AUD 59,050 (12.9%) in cash.

Investments

Since my last update, my investments increased with AUD 3,629 (2.02%).

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 -1,647 (-0.76%), 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 1,523 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,523/month
(4.0% SWR)
1,332/month
(3.5% SWR)
1,142/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 0 months, in , and at that time I will be 51 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 410,996


Financial independence forecast