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Net worth update per


This is jobdodger's #8 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 309,102 and my FI portfolio decreased to AUD 309,102


Net worth

AUD 309,102

Since the last update on my net worth has decreased with AUD -12,529 ( -3.9 %).

FI portfolio

AUD 309,102

Since the last update on my FI portfolio has decreased with AUD -12,529 ( -3.9 %).

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 101,050 -11,945 89,105
Investments 196,733 -1,931 194,802
Retirement acc 23,848 +1,347 25,195
Real estate 0 0 0
Other assets 0 0 0
Total assets 321,631 -12,529 309,102

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 45,425 +43,680 89,105
Investments 62,545 +132,257 194,802
Retirement acc 18,503 +6,692 25,195
Real estate 0 0 0
Other assets 0 0 0
Total assets 126,473 +182,629 309,102

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 45,425 +43,680 89,105
Investments 62,545 +132,257 194,802
Retirement acc 18,503 +6,692 25,195
Real estate 0 0 0
Other assets 0 0 0
Total assets 126,473 +182,629 309,102

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 20.6% on my way to achive my FIRE target of AUD 1,500,000. This is -0.8 percentage points closer, compared to the last net worth update.

AUD 309,102 FIRE target: AUD 1,500,000


20.6%

FI portfolio

My FI portfolio now consists of AUD 194,802 (63.0%) in investments, AUD 25,195 (8.2%) in retirement accounts, and AUD 89,105 (28.8%) in cash.

Investments

Since my last update, my investments decreased with AUD -1,931 (-0.98%).

Since I started tracking, my total contributions have been AUD 335,885, and my total return has been AUD -164,749.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 1,347 (5.65%).

Since I started tracking, my total contributions have been AUD 42,798, and my total return is AUD 20,940.




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

If I quit working today, my monthly pay out would be AUD 1,030 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,030/month
(4.0% SWR)
901/month
(3.5% SWR)
772/month
(3.0% SWR)


When can I retire?

FI date

My age

41

I am currently aiming to save/invest approximately AUD 3,600 each month.

Assuming an annual return of 12% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 1,500,000 in 6 years and 4 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another AUD 399,600, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 791,298


Financial independence forecast