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This is k3nsh1n78's #135 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 968,701 and my FI portfolio increased to AUD 502,971


Net worth

AUD 968,701

Since the last update on my net worth has increased with AUD 14,557 (+ 1.53 %).

FI portfolio

AUD 502,971

Since the last update on my FI portfolio has increased with AUD 10,407 (+ 2.11 %).

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 68,350 -1,450 66,900
Investments 198,489 +3,817 202,306
Retirement acc 225,725 +8,040 233,765
Real estate 1,585,000 0 1,585,000
Other assets 18,550 -100 18,450
Total assets 2,096,114 +10,307 2,106,421

Mortgage 1,141,970 -4,250 1,137,720
Other debt 0 0 0
Total debt 1,141,970 -4,250 1,137,720
Change
Cash 69,700 -2,800 66,900
Investments 194,529 +7,777 202,306
Retirement acc 225,933 +7,832 233,765
Real estate 1,585,000 0 1,585,000
Other assets 18,650 -200 18,450
Total assets 2,093,812 +12,609 2,106,421

Mortgage 1,141,970 -4,250 1,137,720
Other debt 0 0 0
Total debt 1,141,970 -4,250 1,137,720
Change
Cash 147,750 -80,850 66,900
Investments 37,355 +164,951 202,306
Retirement acc 136,402 +97,363 233,765
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -18,830 18,450
Total assets 1,943,787 +162,634 2,106,421

Mortgage 1,300,865 -163,145 1,137,720
Other debt 0 0 0
Total debt 1,300,865 -163,145 1,137,720

I am now 33.5% on my way to achive my FIRE target of AUD 1,500,000. This is 0.7 percentage points closer, compared to the last net worth update.

AUD 502,971 FIRE target: AUD 1,500,000


33.5%

FI portfolio

My FI portfolio now consists of AUD 202,306 (40.2%) in investments, AUD 233,765 (46.5%) in retirement accounts, and AUD 66,900 (13.3%) in cash.

Investments

Since my last update, my investments increased with AUD 3,817 (1.92%).

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 8,040 (3.56%), 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 1,676 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,676/month
(4.0% SWR)
1,466/month
(3.5% SWR)
1,257/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 7% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 1,500,000 in 4 years and 11 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another AUD 600,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 397,029


Financial independence forecast