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This is Angrybeaver's #34 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 2,863,023 and my FI portfolio increased to AUD 1,441,534


Net worth

AUD 2,863,023

Since the last update on my net worth has increased with AUD 74,812 (+ 2.68 %).

FI portfolio

AUD 1,441,534

Since the last update on my FI portfolio has increased with AUD 25,970 (+ 1.83 %).

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 654,870 +3,702 658,572
Investments 90,229 +6,060 96,289
Retirement acc 670,465 +16,208 686,673
Real estate 1,618,000 + 45,000 1,663,000
Other assets 103,500 0 103,500
Total assets 3,137,064 +70,970 3,208,034

Mortgage 343,839 -3,598 340,241
Other debt 5,014 -244 4,770
Total debt 348,853 -3,842 345,011
Change
Cash 355,033 +303,539 658,572
Investments 87,652 +8,637 96,289
Retirement acc 667,543 +19,130 686,673
Real estate 1,581,000 + 82,000 1,663,000
Other assets 105,000 -1,500 103,500
Total assets 2,796,228 +411,806 3,208,034

Mortgage 346,596 -6,355 340,241
Other debt 4,883 -113 4,770
Total debt 351,479 -6,468 345,011
Change
Cash 398,880 +259,692 658,572
Investments 3,783 +92,506 96,289
Retirement acc 408,515 +278,158 686,673
Real estate 1,280,000 + 383,000 1,663,000
Other assets 10,500 + 93,000 103,500
Total assets 2,101,678 +1,106,356 3,208,034

Mortgage 410,862 -70,621 340,241
Other debt 5,000 -230 4,770
Total debt 415,862 -70,851 345,011

I am now 72.1% on my way to achive my FIRE target of AUD 2,000,000. This is 1.3 percentage points closer, compared to the last net worth update.

AUD 1,441,534 FIRE target: AUD 2,000,000


72.1%

FI portfolio

My FI portfolio now consists of AUD 96,289 (6.7%) in investments, AUD 686,673 (47.6%) in retirement accounts, and AUD 658,572 (45.7%) in cash.

Investments

Since my last update, my investments increased with AUD 6,060 (6.72%).

Since I started tracking, my total contributions have been AUD 3,750, and my total return has been AUD 98,621.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 16,208 (2.42%).

Since I started tracking, my total contributions have been AUD 3,250, and my total return is AUD 262,180.




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

If I quit working today, my monthly pay out would be AUD 4,805 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
4,805/month
(4.0% SWR)
4,204/month
(3.5% SWR)
3,603/month
(3.0% SWR)


When can I retire?

FI date

My age

47

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 3 years and 6 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another AUD 276,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 282,466


Financial independence forecast