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This is jobdodger's #41 net worth update. Please check out my profile here for more information. As of , my net worth increased to AUD 762,710 and my FI portfolio increased to AUD 405,710


Net worth

AUD 762,710

Since the last update on my net worth has increased with AUD 13,581 (+ 1.81 %).

FI portfolio

AUD 405,710

Since the last update on my FI portfolio has increased with AUD 4,581 (+ 1.14 %).

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 46,308 +7,093 53,401
Investments 274,815 -2,468 272,347
Retirement acc 80,006 -44 79,962
Real estate 348,000 + 9,000 357,000
Other assets 0 0 0
Total assets 749,129 +13,581 762,710

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 40,024 +13,377 53,401
Investments 663,907 -391,560 272,347
Retirement acc 74,198 +5,764 79,962
Real estate 0 + 357,000 357,000
Other assets 0 0 0
Total assets 778,129 -15,419 762,710

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 45,425 +7,976 53,401
Investments 62,545 +209,802 272,347
Retirement acc 18,503 +61,459 79,962
Real estate 0 + 357,000 357,000
Other assets 0 0 0
Total assets 126,473 +636,237 762,710

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

I am now 27.0% on my way to achive my FIRE target of AUD 1,500,000. This is 0.3 percentage points closer, compared to the last net worth update.

AUD 405,710 FIRE target: AUD 1,500,000


27.0%

FI portfolio

My FI portfolio now consists of AUD 272,347 (67.1%) in investments, AUD 79,962 (19.7%) in retirement accounts, and AUD 53,401 (13.2%) in cash.

Investments

Since my last update, my investments decreased with AUD -2,468 (-0.9%).

Since I started tracking, my total contributions have been AUD 335,885, and my total return has been AUD -126,083.

Retirement accounts

Since my last update, my retirement accounts decreased with AUD -44 (-0.05%).

Since I started tracking, my total contributions have been AUD 42,798, and my total return is AUD 18,661.




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

If I quit working today, my monthly pay out would be AUD 1,352 for the rest of my life.


Monthly SWR amount
Retire today with (AUD)
1,352/month
(4.0% SWR)
1,183/month
(3.5% SWR)
1,014/month
(3.0% SWR)


When can I retire?

FI date

My age

42

I am currently aiming to save/invest approximately AUD 3,600 each month.

Assuming an annual return of 12% on my investments and my retirement accounts, I aim to reach my FIRE target of AUD 1,500,000 in 7 years and 8 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another AUD 334,800, while the rest will be return on my existing FI portfolio and the new investments, in total AUD 759,490


Financial independence forecast