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This is k3nsh1n78's #123 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 916,588 and my FI portfolio increased to AUD 458,658


Net worth

AUD 916,588

Since the last update on my net worth has increased with AUD 2,354 (+ 0.26 %).

FI portfolio

AUD 458,658

Since the last update on my FI portfolio has increased with AUD 1,654 (+ 0.36 %).

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 59,050 +2,500 61,550
Investments 183,143 -481 182,662
Retirement acc 214,811 -365 214,446
Real estate 1,585,000 0 1,585,000
Other assets 19,750 -100 19,650
Total assets 2,061,754 +1,554 2,063,308

Mortgage 1,147,520 -800 1,146,720
Other debt 0 0 0
Total debt 1,147,520 -800 1,146,720
Change
Cash 96,500 -34,950 61,550
Investments 143,236 +39,426 182,662
Retirement acc 208,854 +5,592 214,446
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -4,300 19,650
Total assets 2,057,540 +5,768 2,063,308

Mortgage 1,176,315 -29,595 1,146,720
Other debt 0 0 0
Total debt 1,176,315 -29,595 1,146,720
Change
Cash 147,750 -86,200 61,550
Investments 37,355 +145,307 182,662
Retirement acc 136,402 +78,044 214,446
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -17,630 19,650
Total assets 1,943,787 +119,521 2,063,308

Mortgage 1,300,865 -154,145 1,146,720
Other debt 0 0 0
Total debt 1,300,865 -154,145 1,146,720

I am now 30.6% 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 458,658 FIRE target: AUD 1,500,000


30.6%

FI portfolio

My FI portfolio now consists of AUD 182,662 (39.8%) in investments, AUD 214,446 (46.8%) in retirement accounts, and AUD 61,550 (13.4%) in cash.

Investments

Since my last update, my investments decreased with AUD -481 (-0.26%).

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 -365 (-0.17%), 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 1,528 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,528/month
(4.0% SWR)
1,337/month
(3.5% SWR)
1,146/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 409,342


Financial independence forecast