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Net worth update per


This is k3nsh1n78's #233 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 1,240,940 and my FI portfolio increased to AUD 925,990


Net worth

AUD 1,240,940

Since the last update on my net worth has increased with AUD 4,033 (+ 0.33 %).

FI portfolio

AUD 925,990

Since the last update on my FI portfolio has increased with AUD 2,858 (+ 0.31 %).

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 490,900 -350 490,550
Investments 21,000 -500 20,500
Retirement acc 411,232 +3,708 414,940
Real estate 1,035,000 0 1,035,000
Other assets 9,975 -75 9,900
Total assets 1,968,107 +2,783 1,970,890

Mortgage 731,200 -1,250 729,950
Other debt 0 0 0
Total debt 731,200 -1,250 729,950
Change
Cash 286,550 +204,000 490,550
Investments 8,480 +12,020 20,500
Retirement acc 305,650 +109,290 414,940
Real estate 1,585,000 -550,000 1,035,000
Other assets 13,500 -3,600 9,900
Total assets 2,199,180 -228,290 1,970,890

Mortgage 1,093,425 -363,475 729,950
Other debt 0 0 0
Total debt 1,093,425 -363,475 729,950
Change
Cash 147,750 +342,800 490,550
Investments 37,355 -16,855 20,500
Retirement acc 136,402 +278,538 414,940
Real estate 1,585,000 -550,000 1,035,000
Other assets 37,280 -27,380 9,900
Total assets 1,943,787 +27,103 1,970,890

Mortgage 1,300,865 -570,915 729,950
Other debt 0 0 0
Total debt 1,300,865 -570,915 729,950

I am now 61.7% on my way to achive my FIRE target of AUD 1,500,000. This is 0.2 percentage points closer, compared to the last net worth update.

AUD 925,990 FIRE target: AUD 1,500,000


61.7%

FI portfolio

My FI portfolio now consists of AUD 20,500 (2.2%) in investments, AUD 414,940 (44.8%) in retirement accounts, and AUD 490,550 (53.0%) in cash.

Investments

Since my last update, my investments decreased with AUD -500 (-2.38%).

Since I started tracking, my total contributions have been AUD 221,495, and my total return has been AUD -237,290.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 3,708 (0.9%), of which AUD 771 was from contributions , and AUD 6,519 was from returns.

Since I started tracking, my total contributions have been AUD 173,332, and my total return is AUD 112,496.




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

If I quit working today, my monthly pay out would be AUD 3,086 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
3,086/month
(4.0% SWR)
2,700/month
(3.5% SWR)
2,314/month
(3.0% SWR)


When can I retire?

FI date

My age

50

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 3 years and 6 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another AUD 344,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 230,010


Financial independence forecast