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Net worth update per


This is jobdodger's #34 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 739,295 and my FI portfolio decreased to AUD 739,295


Net worth

AUD 739,295

Since the last update on my net worth has decreased with AUD -48,177 ( -6.12 %).

FI portfolio

AUD 739,295

Since the last update on my FI portfolio has decreased with AUD -48,177 ( -6.12 %).

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 26,449 +1,121 27,570
Investments 685,754 -48,578 637,176
Retirement acc 75,269 -720 74,549
Real estate 0 0 0
Other assets 0 0 0
Total assets 787,472 -48,177 739,295

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 40,024 -12,454 27,570
Investments 663,907 -26,731 637,176
Retirement acc 74,198 +351 74,549
Real estate 0 0 0
Other assets 0 0 0
Total assets 778,129 -38,834 739,295

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 45,425 -17,855 27,570
Investments 62,545 +574,631 637,176
Retirement acc 18,503 +56,046 74,549
Real estate 0 0 0
Other assets 0 0 0
Total assets 126,473 +612,822 739,295

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

I am now 46.2% on my way to achive my FIRE target of AUD 1,600,000. This is -3.0 percentage points closer, compared to the last net worth update.

AUD 739,295 FIRE target: AUD 1,600,000


46.2%

FI portfolio

My FI portfolio now consists of AUD 637,176 (86.2%) in investments, AUD 74,549 (10.1%) in retirement accounts, and AUD 27,570 (3.7%) in cash.

Investments

Since my last update, my investments decreased with AUD -48,578 (-7.08%).

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 decreased with AUD -720 (-0.96%).

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 2,464 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
2,464/month
(4.0% SWR)
2,156/month
(3.5% SWR)
1,848/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 3 months, in , and at that time I will be 40 years old.

By that time I will have invested/saved another AUD 264,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 596,705


Financial independence forecast