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Net worth update per May 1st 2025


This is KR17's #64 net worth update. Please check out my profile here for more information. As of May 1st 2025, my net worth increased to AUD 716,308 and my FI portfolio increased to AUD 341,305


Net worth

AUD 716,308

Since the last update on April 2nd 2025 my net worth has increased with AUD 6,977 (+ 0.98 %).

FI portfolio

AUD 341,305

Since the last update on April 2nd 2025 my FI portfolio has increased with AUD 14,181 (+ 4.34 %).

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.
2 Apr 25 Change 1 May 25
Cash 40,851 +13,380 54,231
Investments 25,436 +942 26,378
Retirement acc 260,837 -141 260,696
Real estate 1,455,000 0 1,455,000
Other assets 10,000 0 10,000
Total assets 1,792,124 +14,181 1,806,305

Mortgage 1,082,793 7,204 1,089,997
Other debt 0 0 0
Total debt 1,082,793 7,204 1,089,997
1 Dec 24 Change 1 May 25
Cash 27,296 +26,935 54,231
Investments 31,527 -5,149 26,378
Retirement acc 261,496 -800 260,696
Real estate 1,455,000 0 1,455,000
Other assets 10,000 0 10,000
Total assets 1,785,319 +20,986 1,806,305

Mortgage 1,086,729 3,268 1,089,997
Other debt 20 -20 0
Total debt 1,086,749 3,248 1,089,997
31 Dec 19 Change 1 May 25
Cash 5,000 +49,231 54,231
Investments 15,000 +11,378 26,378
Retirement acc 90,000 +170,696 260,696
Real estate 560,000 + 895,000 1,455,000
Other assets 10,000 0 10,000
Total assets 680,000 +1,126,305 1,806,305

Mortgage 503,000 586,997 1,089,997
Other debt 60,000 -60,000 0
Total debt 563,000 + 526,997 1,089,997

I am now 17.1% on my way to achive my FIRE target of AUD 2,000,000. This is 0.7 percentage points closer, compared to the last net worth update.

AUD 341,305 FIRE target: AUD 2,000,000


17.1%

FI portfolio

My FI portfolio now consists of AUD 26,378 (7.7%) in investments, AUD 260,696 (76.4%) in retirement accounts, and AUD 54,231 (15.9%) in cash.

Investments

Since my last update, my investments increased with AUD 942 (3.7%).

Since I started tracking, my total contributions have been AUD 3,732, and my total return has been AUD 7,646.

Retirement accounts

Since my last update, my retirement accounts decreased with AUD -141 (-0.05%).

Since I started tracking, my total contributions have been AUD 23,316, and my total return is AUD 147,380.




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

If I quit working today, my monthly pay out would be AUD 1,137 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,137/month
(4.0% SWR)
995/month
(3.5% SWR)
853/month
(3.0% SWR)


When can I retire?

FI date

August 2041

My age

50

I am currently aiming to save/invest approximately AUD 1,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 2,000,000 in 16 years and 2 months, in August 2041, and at that time I will be 50 years old.

By that time I will have invested/saved another AUD 195,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 1,463,695


Financial independence forecast