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Net worth update per


This is k3nsh1n78's #133 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 951,842 and my FI portfolio decreased to AUD 490,162


Net worth

AUD 951,842

Since the last update on my net worth has decreased with AUD -3,035 ( -0.32 %).

FI portfolio

AUD 490,162

Since the last update on my FI portfolio has decreased with AUD -2,175 ( -0.44 %).

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 70,850 -1,150 69,700
Investments 193,505 +1,024 194,529
Retirement acc 227,982 -2,049 225,933
Real estate 1,585,000 0 1,585,000
Other assets 18,750 -100 18,650
Total assets 2,096,087 -2,275 2,093,812

Mortgage 1,141,210 760 1,141,970
Other debt 0 0 0
Total debt 1,141,210 760 1,141,970
Change
Cash 96,500 -26,800 69,700
Investments 143,236 +51,293 194,529
Retirement acc 208,854 +17,079 225,933
Real estate 1,585,000 0 1,585,000
Other assets 23,950 -5,300 18,650
Total assets 2,057,540 +36,272 2,093,812

Mortgage 1,176,315 -34,345 1,141,970
Other debt 0 0 0
Total debt 1,176,315 -34,345 1,141,970
Change
Cash 147,750 -78,050 69,700
Investments 37,355 +157,174 194,529
Retirement acc 136,402 +89,531 225,933
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -18,630 18,650
Total assets 1,943,787 +150,025 2,093,812

Mortgage 1,300,865 -158,895 1,141,970
Other debt 0 0 0
Total debt 1,300,865 -158,895 1,141,970

I am now 32.7% 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 490,162 FIRE target: AUD 1,500,000


32.7%

FI portfolio

My FI portfolio now consists of AUD 194,529 (39.7%) in investments, AUD 225,933 (46.1%) in retirement accounts, and AUD 69,700 (14.2%) in cash.

Investments

Since my last update, my investments increased with AUD 1,024 (0.53%).

Since I started tracking, my total contributions have been AUD 221,495, and my total return has been AUD -237,960.

Retirement accounts

Since my last update, my retirement accounts decreased with AUD -2,049 (-0.9%), of which AUD 400 was from contributions , and AUD 7,935 was from returns.

Since I started tracking, my total contributions have been AUD 175,203, and my total return is AUD 113,570.




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

If I quit working today, my monthly pay out would be AUD 1,633 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,633/month
(4.0% SWR)
1,429/month
(3.5% SWR)
1,225/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 8% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 1,500,000 in 3 years and 8 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another AUD 584,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 425,838


Financial independence forecast