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Net worth update per


This is k3nsh1n78's #195 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 1,156,968 and my FI portfolio increased to AUD 643,048


Net worth

AUD 1,156,968

Since the last update on my net worth has increased with AUD 7,939 (+ 0.69 %).

FI portfolio

AUD 643,048

Since the last update on my FI portfolio has increased with AUD 5,914 (+ 0.93 %).

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 281,100 +1,950 283,050
Investments 13,110 +1,000 14,110
Retirement acc 342,924 +2,964 345,888
Real estate 1,585,000 0 1,585,000
Other assets 12,825 -75 12,750
Total assets 2,234,959 +5,839 2,240,798

Mortgage 1,085,930 -2,100 1,083,830
Other debt 0 0 0
Total debt 1,085,930 -2,100 1,083,830
Change
Cash 286,550 -3,500 283,050
Investments 8,480 +5,630 14,110
Retirement acc 305,650 +40,238 345,888
Real estate 1,585,000 0 1,585,000
Other assets 13,500 -750 12,750
Total assets 2,199,180 +41,618 2,240,798

Mortgage 1,093,425 -9,595 1,083,830
Other debt 0 0 0
Total debt 1,093,425 -9,595 1,083,830
Change
Cash 147,750 +135,300 283,050
Investments 37,355 -23,245 14,110
Retirement acc 136,402 +209,486 345,888
Real estate 1,585,000 0 1,585,000
Other assets 37,280 -24,530 12,750
Total assets 1,943,787 +297,011 2,240,798

Mortgage 1,300,865 -217,035 1,083,830
Other debt 0 0 0
Total debt 1,300,865 -217,035 1,083,830

I am now 42.9% on my way to achive my FIRE target of AUD 1,500,000. This is 0.4 percentage points closer, compared to the last net worth update.

AUD 643,048 FIRE target: AUD 1,500,000


42.9%

FI portfolio

My FI portfolio now consists of AUD 14,110 (2.2%) in investments, AUD 345,888 (53.8%) in retirement accounts, and AUD 283,050 (44.0%) in cash.

Investments

Since my last update, my investments increased with AUD 1,000 (7.63%).

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 increased with AUD 2,964 (0.86%), 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 2,143 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
2,143/month
(4.0% SWR)
1,875/month
(3.5% SWR)
1,607/month
(3.0% SWR)


When can I retire?

FI date

My age

51

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 4 years and 1 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another AUD 512,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 344,952


Financial independence forecast