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This is Angrybeaver's #40 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 3,062,220 and my FI portfolio increased to AUD 1,620,008


Net worth

AUD 3,062,220

Since the last update on my net worth has increased with AUD 113,657 (+ 3.85 %).

FI portfolio

AUD 1,620,008

Since the last update on my FI portfolio has increased with AUD 44,237 (+ 2.81 %).

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 729,295 +14,607 743,902
Investments 125,828 +9,973 135,801
Retirement acc 720,648 +19,657 740,305
Real estate 1,649,000 + 57,000 1,706,000
Other assets 148,286 + 8,400 156,686
Total assets 3,373,057 +109,637 3,482,694

Mortgage 327,363 -2,900 324,463
Other debt 97,131 -1,120 96,011
Total debt 424,494 -4,020 420,474
Change
Cash 355,033 +388,869 743,902
Investments 87,652 +48,149 135,801
Retirement acc 667,543 +72,762 740,305
Real estate 1,581,000 + 125,000 1,706,000
Other assets 105,000 + 51,686 156,686
Total assets 2,796,228 +686,466 3,482,694

Mortgage 346,596 -22,133 324,463
Other debt 4,883 + 91,128 96,011
Total debt 351,479 + 68,995 420,474
Change
Cash 398,880 +345,022 743,902
Investments 3,783 +132,018 135,801
Retirement acc 408,515 +331,790 740,305
Real estate 1,280,000 + 426,000 1,706,000
Other assets 10,500 + 146,186 156,686
Total assets 2,101,678 +1,381,016 3,482,694

Mortgage 410,862 -86,399 324,463
Other debt 5,000 + 91,011 96,011
Total debt 415,862 + 4,612 420,474

I am now 81.0% on my way to achive my FIRE target of AUD 2,000,000. This is 2.2 percentage points closer, compared to the last net worth update.

AUD 1,620,008 FIRE target: AUD 2,000,000


81.0%

FI portfolio

My FI portfolio now consists of AUD 135,801 (8.4%) in investments, AUD 740,305 (45.7%) in retirement accounts, and AUD 743,902 (45.9%) in cash.

Investments

Since my last update, my investments increased with AUD 9,973 (7.93%).

Since I started tracking, my total contributions have been AUD 3,750, and my total return has been AUD 128,268.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 19,657 (2.73%).

Since I started tracking, my total contributions have been AUD 3,250, and my total return is AUD 328,540.




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

If I quit working today, my monthly pay out would be AUD 5,400 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
5,400/month
(4.0% SWR)
4,725/month
(3.5% SWR)
4,050/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 2 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 186,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 193,992


Financial independence forecast