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Net worth update per


This is firewarden's #24 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 4,453,696 and my FI portfolio increased to USD 3,194,557


Net worth

USD 4,453,696

Since the last update on my net worth has increased with USD 66,749 (+ 1.52 %).

FI portfolio

USD 3,194,557

Since the last update on my FI portfolio has increased with USD 168,420 (+ 5.57 %).

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 662,918 +68,417 731,335
Investments 1,180,390 +43,741 1,224,131
Retirement acc 1,182,829 +56,262 1,239,091
Real estate 3,172,222 + 5,556 3,177,778
Other assets 15,000 0 15,000
Total assets 6,213,359 +173,976 6,387,335

Mortgage 1,826,412 107,227 1,933,639
Other debt 0 0 0
Total debt 1,826,412 107,227 1,933,639
Change
Cash 268,802 +462,533 731,335
Investments 879,081 +345,050 1,224,131
Retirement acc 922,493 +316,598 1,239,091
Real estate 3,127,778 + 50,000 3,177,778
Other assets 0 + 15,000 15,000
Total assets 5,198,154 +1,189,181 6,387,335

Mortgage 1,616,468 317,171 1,933,639
Other debt 0 0 0
Total debt 1,616,468 317,171 1,933,639
Change
Cash 388,818 +342,517 731,335
Investments 0 +1,224,131 1,224,131
Retirement acc 627,250 +611,841 1,239,091
Real estate 3,050,000 + 127,778 3,177,778
Other assets 0 + 15,000 15,000
Total assets 4,066,068 +2,321,267 6,387,335

Mortgage 849,997 1,083,642 1,933,639
Other debt 0 0 0
Total debt 849,997 + 1,083,642 1,933,639

I am now 24.2% on my way to achive my FIRE target of USD 13,200,000. This is 1.3 percentage points closer, compared to the last net worth update.

USD 3,194,557 FIRE target: USD 13,200,000


24.2%

FI portfolio

My FI portfolio now consists of USD 1,224,131 (38.3%) in investments, USD 1,239,091 (38.8%) in retirement accounts, and USD 731,335 (22.9%) in cash.

Investments

Since my last update, my investments increased with USD 43,741 (3.71%).

Since I started tracking, my total contributions have been USD 3,050,749, and my total return has been USD 726,089.

Retirement accounts

Since my last update, my retirement accounts increased with USD 56,262 (4.76%), of which USD 2,021 was from contributions , and USD -115,800 was from returns.

Since I started tracking, my total contributions have been USD 2,522,592, and my total return is USD 1,228,320.




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

If I quit working today, my monthly pay out would be USD 10,648 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
10,648/month
(4.0% SWR)
9,317/month
(3.5% SWR)
7,986/month
(3.0% SWR)


When can I retire?

FI date

My age

43

I am currently aiming to save/invest approximately USD 40,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 13,200,000 in 5 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 5,320,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 4,685,443


Financial independence forecast