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Net worth update per


This is jobdodger's #26 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 637,250 and my FI portfolio decreased to AUD 637,250


Net worth

AUD 637,250

Since the last update on my net worth has decreased with AUD -4,370 ( -0.68 %).

FI portfolio

AUD 637,250

Since the last update on my FI portfolio has decreased with AUD -4,370 ( -0.68 %).

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 14,708 +8,537 23,245
Investments 558,691 -13,651 545,040
Retirement acc 68,221 +744 68,965
Real estate 0 0 0
Other assets 0 0 0
Total assets 641,620 -4,370 637,250

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 156,654 -133,409 23,245
Investments 327,873 +217,167 545,040
Retirement acc 62,561 +6,404 68,965
Real estate 0 0 0
Other assets 0 0 0
Total assets 547,088 +90,162 637,250

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 45,425 -22,180 23,245
Investments 62,545 +482,495 545,040
Retirement acc 18,503 +50,462 68,965
Real estate 0 0 0
Other assets 0 0 0
Total assets 126,473 +510,777 637,250

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

I am now 39.8% on my way to achive my FIRE target of AUD 1,600,000. This is -0.3 percentage points closer, compared to the last net worth update.

AUD 637,250 FIRE target: AUD 1,600,000


39.8%

FI portfolio

My FI portfolio now consists of AUD 545,040 (85.5%) in investments, AUD 68,965 (10.8%) in retirement accounts, and AUD 23,245 (3.6%) in cash.

Investments

Since my last update, my investments decreased with AUD -13,651 (-2.44%).

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 744 (1.09%).

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 2,124 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
2,124/month
(4.0% SWR)
1,858/month
(3.5% SWR)
1,593/month
(3.0% SWR)


When can I retire?

FI date

My age

40

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 5 years and 5 months, in , and at that time I will be 40 years old.

By that time I will have invested/saved another AUD 304,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 658,750


Financial independence forecast