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This is Angrybeaver's #22 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 1,956,119 and my FI portfolio increased to AUD 860,503


Net worth

AUD 1,956,119

Since the last update on my net worth has increased with AUD 22,411 (+ 1.16 %).

FI portfolio

AUD 860,503

Since the last update on my FI portfolio has increased with AUD 20,206 (+ 2.4 %).

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 261,204 +5,157 266,361
Investments 53,374 +4,440 57,814
Retirement acc 525,719 +10,609 536,328
Real estate 1,460,000 0 1,460,000
Other assets 8,500 0 8,500
Total assets 2,308,797 +20,206 2,329,003

Mortgage 369,989 -2,205 367,784
Other debt 5,100 0 5,100
Total debt 375,089 -2,205 372,884
Change
Cash 263,485 +2,876 266,361
Investments 44,127 +13,687 57,814
Retirement acc 499,790 +36,538 536,328
Real estate 1,380,000 + 80,000 1,460,000
Other assets 9,500 -1,000 8,500
Total assets 2,196,902 +132,101 2,329,003

Mortgage 375,167 -7,383 367,784
Other debt 5,100 0 5,100
Total debt 380,267 -7,383 372,884
Change
Cash 398,880 -132,519 266,361
Investments 3,783 +54,031 57,814
Retirement acc 408,515 +127,813 536,328
Real estate 1,280,000 + 180,000 1,460,000
Other assets 10,500 -2,000 8,500
Total assets 2,101,678 +227,325 2,329,003

Mortgage 410,862 -43,078 367,784
Other debt 5,000 + 100 5,100
Total debt 415,862 -42,978 372,884

I am now 43.0% on my way to achive my FIRE target of AUD 2,000,000. This is 1.0 percentage points closer, compared to the last net worth update.

AUD 860,503 FIRE target: AUD 2,000,000


43.0%

FI portfolio

My FI portfolio now consists of AUD 57,814 (6.7%) in investments, AUD 536,328 (62.3%) in retirement accounts, and AUD 266,361 (31.0%) in cash.

Investments

Since my last update, my investments increased with AUD 4,440 (8.32%).

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 10,609 (2.02%).

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 2,868 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
2,868/month
(4.0% SWR)
2,509/month
(3.5% SWR)
2,151/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 10 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another AUD 576,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 563,497


Financial independence forecast