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Net worth update per


This is jobdodger's #36 net worth update. Please check out my profile here for more information. As of , my net worth decreased to AUD 709,412 and my FI portfolio decreased to AUD 709,412


Net worth

AUD 709,412

Since the last update on my net worth has decreased with AUD -11,468 ( -1.59 %).

FI portfolio

AUD 709,412

Since the last update on my FI portfolio has decreased with AUD -11,468 ( -1.59 %).

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 48,237 -1,343 46,894
Investments 599,070 -7,416 591,654
Retirement acc 73,573 -2,709 70,864
Real estate 0 0 0
Other assets 0 0 0
Total assets 720,880 -11,468 709,412

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 40,024 +6,870 46,894
Investments 663,907 -72,253 591,654
Retirement acc 74,198 -3,334 70,864
Real estate 0 0 0
Other assets 0 0 0
Total assets 778,129 -68,717 709,412

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 45,425 +1,469 46,894
Investments 62,545 +529,109 591,654
Retirement acc 18,503 +52,361 70,864
Real estate 0 0 0
Other assets 0 0 0
Total assets 126,473 +582,939 709,412

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

I am now 44.3% on my way to achive my FIRE target of AUD 1,600,000. This is -0.7 percentage points closer, compared to the last net worth update.

AUD 709,412 FIRE target: AUD 1,600,000


44.3%

FI portfolio

My FI portfolio now consists of AUD 591,654 (83.4%) in investments, AUD 70,864 (10.0%) in retirement accounts, and AUD 46,894 (6.6%) in cash.

Investments

Since my last update, my investments decreased with AUD -7,416 (-1.24%).

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 -2,709 (-3.68%).

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 2,364 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
2,364/month
(4.0% SWR)
2,069/month
(3.5% SWR)
1,773/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 8 months, in , and at that time I will be 40 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 614,588


Financial independence forecast