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Net worth update per


This is k3nsh1n78's #176 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 1,047,142 and my FI portfolio decreased to AUD 551,342


Net worth

AUD 1,047,142

Since the last update on my net worth has decreased with AUD -7,727 ( -0.73 %).

FI portfolio

AUD 551,342

Since the last update on my FI portfolio has decreased with AUD -7,197 ( -1.29 %).

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 45,600 -4,700 40,900
Investments 242,857 +1,923 244,780
Retirement acc 270,082 -4,420 265,662
Real estate 1,585,000 0 1,585,000
Other assets 14,450 -100 14,350
Total assets 2,157,989 -7,297 2,150,692

Mortgage 1,103,120 430 1,103,550
Other debt 0 0 0
Total debt 1,103,120 430 1,103,550
Change
Cash 69,700 -28,800 40,900
Investments 194,529 +50,251 244,780
Retirement acc 225,933 +39,729 265,662
Real estate 1,585,000 0 1,585,000
Other assets 18,650 -4,300 14,350
Total assets 2,093,812 +56,880 2,150,692

Mortgage 1,141,970 -38,420 1,103,550
Other debt 0 0 0
Total debt 1,141,970 -38,420 1,103,550
Change
Cash 147,750 -106,850 40,900
Investments 37,355 +207,425 244,780
Retirement acc 136,402 +129,260 265,662
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -22,930 14,350
Total assets 1,943,787 +206,905 2,150,692

Mortgage 1,300,865 -197,315 1,103,550
Other debt 0 0 0
Total debt 1,300,865 -197,315 1,103,550

I am now 36.8% on my way to achive my FIRE target of AUD 1,500,000. This is -0.5 percentage points closer, compared to the last net worth update.

AUD 551,342 FIRE target: AUD 1,500,000


36.8%

FI portfolio

My FI portfolio now consists of AUD 244,780 (44.4%) in investments, AUD 265,662 (48.2%) in retirement accounts, and AUD 40,900 (7.4%) in cash.

Investments

Since my last update, my investments increased with AUD 1,923 (0.79%).

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 -4,420 (-1.64%), 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 1,837 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,837/month
(4.0% SWR)
1,608/month
(3.5% SWR)
1,378/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 11 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another AUD 528,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 420,658


Financial independence forecast