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Net worth update per


This is librarianFIRE's #5 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 734,000 and my FI portfolio decreased to USD 603,000


Net worth

USD 734,000

Since the last update on my net worth has decreased with USD -41,000 ( -5.29 %).

FI portfolio

USD 603,000

Since the last update on my FI portfolio has decreased with USD -42,000 ( -6.51 %).

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 USD.
Change
Cash 72,000 +1,000 73,000
Investments 132,000 -21,000 111,000
Retirement acc 441,000 -22,000 419,000
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 885,000 -42,000 843,000

Mortgage 98,000 -1,000 97,000
Other debt 12,000 0 12,000
Total debt 110,000 -1,000 109,000
Change
Cash 80,000 -7,000 73,000
Investments 128,000 -17,000 111,000
Retirement acc 400,000 +19,000 419,000
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 848,000 -5,000 843,000

Mortgage 100,000 -3,000 97,000
Other debt 12,000 0 12,000
Total debt 112,000 -3,000 109,000
Change
Cash 80,000 -7,000 73,000
Investments 120,000 -9,000 111,000
Retirement acc 340,000 +79,000 419,000
Real estate 240,000 0 240,000
Other assets 0 0 0
Total assets 780,000 +63,000 843,000

Mortgage 100,000 -3,000 97,000
Other debt 12,000 0 12,000
Total debt 112,000 -3,000 109,000

I am now 34.5% on my way to achive my FIRE target of USD 1,750,000. This is -2.4 percentage points closer, compared to the last net worth update.

USD 603,000 FIRE target: USD 1,750,000


34.5%

FI portfolio

My FI portfolio now consists of USD 111,000 (18.4%) in investments, USD 419,000 (69.5%) in retirement accounts, and USD 73,000 (12.1%) in cash.

Investments

Since my last update, my investments decreased with USD -21,000 (-15.91%).

Retirement accounts

Since my last update, my retirement accounts decreased with USD -22,000 (-4.99%).




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

If I quit working today, my monthly pay out would be USD 2,010 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
2,010/month
(4.0% SWR)
1,758/month
(3.5% SWR)
1,507/month
(3.0% SWR)


When can I retire?

FI date

My age

43

I am currently aiming to save/invest approximately USD 7,500 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 1,750,000 in 3 years and 5 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another USD 667,500, while the rest will be return on my existing FI portfolio and the new investments, in total USD 479,500


Financial independence forecast