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Net worth update per


This is jobdodger's #20 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 547,088 and my FI portfolio increased to AUD 547,088


Net worth

AUD 547,088

Since the last update on my net worth has increased with AUD 30,058 (+ 5.81 %).

FI portfolio

AUD 547,088

Since the last update on my FI portfolio has increased with AUD 30,058 (+ 5.81 %).

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 146,832 +9,822 156,654
Investments 310,565 +17,308 327,873
Retirement acc 59,633 +2,928 62,561
Real estate 0 0 0
Other assets 0 0 0
Total assets 517,030 +30,058 547,088

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 89,105 +67,549 156,654
Investments 194,802 +133,071 327,873
Retirement acc 25,195 +37,366 62,561
Real estate 0 0 0
Other assets 0 0 0
Total assets 309,102 +237,986 547,088

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 45,425 +111,229 156,654
Investments 62,545 +265,328 327,873
Retirement acc 18,503 +44,058 62,561
Real estate 0 0 0
Other assets 0 0 0
Total assets 126,473 +420,615 547,088

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

I am now 34.2% on my way to achive my FIRE target of AUD 1,600,000. This is 1.9 percentage points closer, compared to the last net worth update.

AUD 547,088 FIRE target: AUD 1,600,000


34.2%

FI portfolio

My FI portfolio now consists of AUD 327,873 (59.9%) in investments, AUD 62,561 (11.4%) in retirement accounts, and AUD 156,654 (28.6%) in cash.

Investments

Since my last update, my investments increased with AUD 17,308 (5.57%).

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 2,928 (4.91%).

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 1,823 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,823/month
(4.0% SWR)
1,595/month
(3.5% SWR)
1,367/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 5 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another AUD 376,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 676,912


Financial independence forecast