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Net worth update per


This is firewarden's #35 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 5,179,092 and my FI portfolio increased to USD 4,043,788


Net worth

USD 5,179,092

Since the last update on my net worth has increased with USD 177,427 (+ 3.55 %).

FI portfolio

USD 4,043,788

Since the last update on my FI portfolio has increased with USD 184,326 (+ 4.78 %).

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 840,161 +57,117 897,278
Investments 1,292,640 +61,491 1,354,131
Retirement acc 1,726,661 +65,718 1,792,379
Real estate 3,200,000 0 3,200,000
Other assets 15,000 0 15,000
Total assets 7,074,462 +184,326 7,258,788

Mortgage 2,072,797 6,899 2,079,696
Other debt 0 0 0
Total debt 2,072,797 6,899 2,079,696
Change
Cash 892,228 +5,050 897,278
Investments 1,305,629 +48,502 1,354,131
Retirement acc 1,359,208 +433,171 1,792,379
Real estate 3,194,444 + 5,556 3,200,000
Other assets 15,000 0 15,000
Total assets 6,766,509 +492,279 7,258,788

Mortgage 1,986,085 93,611 2,079,696
Other debt 0 0 0
Total debt 1,986,085 93,611 2,079,696
Change
Cash 388,818 +508,460 897,278
Investments 0 +1,354,131 1,354,131
Retirement acc 627,250 +1,165,129 1,792,379
Real estate 3,050,000 + 150,000 3,200,000
Other assets 0 + 15,000 15,000
Total assets 4,066,068 +3,192,720 7,258,788

Mortgage 849,997 1,229,699 2,079,696
Other debt 0 0 0
Total debt 849,997 + 1,229,699 2,079,696

I am now 30.6% on my way to achive my FIRE target of USD 13,200,000. This is 1.4 percentage points closer, compared to the last net worth update.

USD 4,043,788 FIRE target: USD 13,200,000


30.6%

FI portfolio

My FI portfolio now consists of USD 1,354,131 (33.5%) in investments, USD 1,792,379 (44.3%) in retirement accounts, and USD 897,278 (22.2%) in cash.

Investments

Since my last update, my investments increased with USD 61,491 (4.76%).

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 65,718 (3.81%), 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 13,479 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
13,479/month
(4.0% SWR)
11,794/month
(3.5% SWR)
10,109/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 1 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another USD 4,720,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 4,436,212


Financial independence forecast