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This is gongongon's #15 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 3,280,370 and my FI portfolio increased to USD 1,737,500


Net worth

USD 3,280,370

Since the last update on my net worth has decreased with USD -12,602 ( -0.38 %).

FI portfolio

USD 1,737,500

Since the last update on my FI portfolio has increased with USD 149,891 (+ 9.44 %).

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 96,695 -1,695 95,000
Investments 741,349 +155,451 896,800
Retirement acc 749,565 -3,865 745,700
Real estate 1,117,696 + 42,304 1,160,000
Other assets 1,053,897 -202,397 851,500
Total assets 3,759,202 -10,202 3,749,000

Mortgage 428,130 0 428,130
Other debt 38,100 + 2,400 40,500
Total debt 466,230 + 2,400 468,630
Change
Cash 98,972 -3,972 95,000
Investments 484,191 +412,609 896,800
Retirement acc 722,495 +23,205 745,700
Real estate 1,074,421 + 85,579 1,160,000
Other assets 139,345 + 712,155 851,500
Total assets 2,519,424 +1,229,576 3,749,000

Mortgage 425,461 2,669 428,130
Other debt 27,760 + 12,740 40,500
Total debt 453,221 + 15,409 468,630
Change
Cash 98,972 -3,972 95,000
Investments 484,191 +412,609 896,800
Retirement acc 722,495 +23,205 745,700
Real estate 1,074,421 + 85,579 1,160,000
Other assets 139,345 + 712,155 851,500
Total assets 2,519,424 +1,229,576 3,749,000

Mortgage 425,461 2,669 428,130
Other debt 27,760 + 12,740 40,500
Total debt 453,221 + 15,409 468,630

I am now 173923.9% on my way to achive my FIRE target of USD 999. This is 15004.1 percentage points closer, compared to the last net worth update.

USD 1,737,500 FIRE target: USD 999


173923.9%

FI portfolio

My FI portfolio now consists of USD 896,800 (51.6%) in investments, USD 745,700 (42.9%) in retirement accounts, and USD 95,000 (5.5%) in cash.

Investments

Since my last update, my investments increased with USD 155,451 (20.97%).

Since I started tracking, my total contributions have been USD 227,902, and my total return has been USD -712,093.

Retirement accounts

Since my last update, my retirement accounts decreased with USD -3,865 (-0.52%).

Since I started tracking, my total contributions have been USD 57,110, and my total return is USD -779,605.




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

If I quit working today, my monthly pay out would be USD 5,791 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
5,791/month
(4.0% SWR)
5,067/month
(3.5% SWR)
4,343/month
(3.0% SWR)


When can I retire?

FI date

My age

46

I am currently aiming to save/invest approximately USD 100 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 999 in -3 years and -8 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another USD 100, while the rest will be return on my existing FI portfolio and the new investments, in total USD -1,736,601


Financial independence forecast