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Net worth update per


This is jobdodger's #39 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 759,839 and my FI portfolio decreased to AUD 407,839


Net worth

AUD 759,839

Since the last update on my net worth has increased with AUD 66,157 (+ 9.54 %).

FI portfolio

AUD 407,839

Since the last update on my FI portfolio has decreased with AUD -285,843 ( -41.21 %).

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 390,043 -331,316 58,727
Investments 226,785 +43,970 270,755
Retirement acc 76,854 +1,503 78,357
Real estate 0 + 352,000 352,000
Other assets 0 0 0
Total assets 693,682 +66,157 759,839

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 40,024 +18,703 58,727
Investments 663,907 -393,152 270,755
Retirement acc 74,198 +4,159 78,357
Real estate 0 + 352,000 352,000
Other assets 0 0 0
Total assets 778,129 -18,290 759,839

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 45,425 +13,302 58,727
Investments 62,545 +208,210 270,755
Retirement acc 18,503 +59,854 78,357
Real estate 0 + 352,000 352,000
Other assets 0 0 0
Total assets 126,473 +633,366 759,839

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

I am now 25.5% on my way to achive my FIRE target of AUD 1,600,000. This is -17.9 percentage points closer, compared to the last net worth update.

AUD 407,839 FIRE target: AUD 1,600,000


25.5%

FI portfolio

My FI portfolio now consists of AUD 270,755 (66.4%) in investments, AUD 78,357 (19.2%) in retirement accounts, and AUD 58,727 (14.4%) in cash.

Investments

Since my last update, my investments increased with AUD 43,970 (19.39%).

Since I started tracking, my total contributions have been AUD 335,885, and my total return has been AUD -127,675.

Retirement accounts

Since my last update, my retirement accounts increased with AUD 1,503 (1.96%).

Since I started tracking, my total contributions have been AUD 42,798, and my total return is AUD 17,056.




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

If I quit working today, my monthly pay out would be AUD 1,359 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,359/month
(4.0% SWR)
1,189/month
(3.5% SWR)
1,019/month
(3.0% SWR)


When can I retire?

FI date

My age

43

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 8 years and 10 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another AUD 428,000, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 764,161


Financial independence forecast