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This is Angrybeaver's #21 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 1,933,708 and my FI portfolio increased to AUD 840,297


Net worth

AUD 1,933,708

Since the last update on my net worth has increased with AUD 117,073 (+ 6.44 %).

FI portfolio

AUD 840,297

Since the last update on my FI portfolio has increased with AUD 32,895 (+ 4.07 %).

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 263,485 -2,281 261,204
Investments 44,127 +9,247 53,374
Retirement acc 499,790 +25,929 525,719
Real estate 1,380,000 + 80,000 1,460,000
Other assets 9,500 -1,000 8,500
Total assets 2,196,902 +111,895 2,308,797

Mortgage 375,167 -5,178 369,989
Other debt 5,100 0 5,100
Total debt 380,267 -5,178 375,089
Change
Cash 263,485 -2,281 261,204
Investments 44,127 +9,247 53,374
Retirement acc 499,790 +25,929 525,719
Real estate 1,380,000 + 80,000 1,460,000
Other assets 9,500 -1,000 8,500
Total assets 2,196,902 +111,895 2,308,797

Mortgage 375,167 -5,178 369,989
Other debt 5,100 0 5,100
Total debt 380,267 -5,178 375,089
Change
Cash 398,880 -137,676 261,204
Investments 3,783 +49,591 53,374
Retirement acc 408,515 +117,204 525,719
Real estate 1,280,000 + 180,000 1,460,000
Other assets 10,500 -2,000 8,500
Total assets 2,101,678 +207,119 2,308,797

Mortgage 410,862 -40,873 369,989
Other debt 5,000 + 100 5,100
Total debt 415,862 -40,773 375,089

I am now 42.0% on my way to achive my FIRE target of AUD 2,000,000. This is 1.6 percentage points closer, compared to the last net worth update.

AUD 840,297 FIRE target: AUD 2,000,000


42.0%

FI portfolio

My FI portfolio now consists of AUD 53,374 (6.4%) in investments, AUD 525,719 (62.6%) in retirement accounts, and AUD 261,204 (31.1%) in cash.

Investments

Since my last update, my investments increased with AUD 9,247 (20.96%).

Since I started tracking, my total contributions have been AUD 3,750, and my total return has been AUD 50,505.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 25,929 (5.19%).

Since I started tracking, my total contributions have been AUD 3,250, and my total return is AUD 124,236.




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

If I quit working today, my monthly pay out would be AUD 2,800 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
2,800/month
(4.0% SWR)
2,450/month
(3.5% SWR)
2,100/month
(3.0% SWR)


When can I retire?

FI date

My age

51

I am currently aiming to save/invest approximately AUD 6,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 2,000,000 in 7 years and 11 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another AUD 588,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 571,703


Financial independence forecast