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This is k3nsh1n78's #124 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 920,099 and my FI portfolio increased to AUD 462,984


Net worth

AUD 920,099

Since the last update on my net worth has increased with AUD 3,511 (+ 0.38 %).

FI portfolio

AUD 462,984

Since the last update on my FI portfolio has increased with AUD 4,326 (+ 0.94 %).

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 61,550 -2,150 59,400
Investments 182,662 +2,706 185,368
Retirement acc 214,446 +3,770 218,216
Real estate 1,585,000 0 1,585,000
Other assets 19,650 -100 19,550
Total assets 2,063,308 +4,226 2,067,534

Mortgage 1,146,720 715 1,147,435
Other debt 0 0 0
Total debt 1,146,720 715 1,147,435
Change
Cash 96,500 -37,100 59,400
Investments 143,236 +42,132 185,368
Retirement acc 208,854 +9,362 218,216
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -4,400 19,550
Total assets 2,057,540 +9,994 2,067,534

Mortgage 1,176,315 -28,880 1,147,435
Other debt 0 0 0
Total debt 1,176,315 -28,880 1,147,435
Change
Cash 147,750 -88,350 59,400
Investments 37,355 +148,013 185,368
Retirement acc 136,402 +81,814 218,216
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -17,730 19,550
Total assets 1,943,787 +123,747 2,067,534

Mortgage 1,300,865 -153,430 1,147,435
Other debt 0 0 0
Total debt 1,300,865 -153,430 1,147,435

I am now 30.9% 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 462,984 FIRE target: AUD 1,500,000


30.9%

FI portfolio

My FI portfolio now consists of AUD 185,368 (40.0%) in investments, AUD 218,216 (47.1%) in retirement accounts, and AUD 59,400 (12.8%) in cash.

Investments

Since my last update, my investments increased with AUD 2,706 (1.48%).

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 3,770 (1.76%), 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 1,543 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,543/month
(4.0% SWR)
1,350/month
(3.5% SWR)
1,157/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 632,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 405,016


Financial independence forecast