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Net worth update per


This is jobdodger's #16 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 478,529 and my FI portfolio increased to AUD 478,529


Net worth

AUD 478,529

Since the last update on my net worth has increased with AUD 7,983 (+ 1.7 %).

FI portfolio

AUD 478,529

Since the last update on my FI portfolio has increased with AUD 7,983 (+ 1.7 %).

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 116,031 +16,069 132,100
Investments 298,122 -8,957 289,165
Retirement acc 56,393 +871 57,264
Real estate 0 0 0
Other assets 0 0 0
Total assets 470,546 +7,983 478,529

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 89,105 +42,995 132,100
Investments 194,802 +94,363 289,165
Retirement acc 25,195 +32,069 57,264
Real estate 0 0 0
Other assets 0 0 0
Total assets 309,102 +169,427 478,529

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 45,425 +86,675 132,100
Investments 62,545 +226,620 289,165
Retirement acc 18,503 +38,761 57,264
Real estate 0 0 0
Other assets 0 0 0
Total assets 126,473 +352,056 478,529

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

I am now 29.9% on my way to achive my FIRE target of AUD 1,600,000. This is 0.5 percentage points closer, compared to the last net worth update.

AUD 478,529 FIRE target: AUD 1,600,000


29.9%

FI portfolio

My FI portfolio now consists of AUD 289,165 (60.4%) in investments, AUD 57,264 (12.0%) in retirement accounts, and AUD 132,100 (27.6%) in cash.

Investments

Since my last update, my investments decreased with AUD -8,957 (-3.0%).

Since I started tracking, my total contributions have been AUD 335,885, and my total return has been AUD 193,224.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 871 (1.54%).

Since I started tracking, my total contributions have been AUD 42,798, and my total return is AUD 9,563.




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

If I quit working today, my monthly pay out would be AUD 1,595 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,595/month
(4.0% SWR)
1,395/month
(3.5% SWR)
1,196/month
(3.0% SWR)


When can I retire?

FI date

My age

41

I am currently aiming to save/invest approximately AUD 4,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 1,600,000 in 6 years and 9 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another AUD 408,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 713,471


Financial independence forecast