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Net worth update per


This is Falco's #128 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 229,438 and my FI portfolio decreased to USD 229,438


Net worth

USD 229,438

Since the last update on my net worth has decreased with USD -6,377 ( -2.7 %).

FI portfolio

USD 229,438

Since the last update on my FI portfolio has decreased with USD -6,377 ( -2.7 %).

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 5,423 -1,640 3,783
Investments 51,804 -1,003 50,801
Retirement acc 178,588 -3,734 174,854
Real estate 0 0 0
Other assets 0 0 0
Total assets 235,815 -6,377 229,438

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 9,850 -6,067 3,783
Investments 41,949 +8,852 50,801
Retirement acc 156,929 +17,925 174,854
Real estate 0 0 0
Other assets 0 0 0
Total assets 208,728 +20,710 229,438

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 20,502 -16,719 3,783
Investments 22,774 +28,027 50,801
Retirement acc 141,441 +33,413 174,854
Real estate 0 0 0
Other assets 0 0 0
Total assets 184,717 +44,721 229,438

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

I am now 45.9% on my way to achive my FIRE target of USD 500,000. This is -1.3 percentage points closer, compared to the last net worth update.

USD 229,438 FIRE target: USD 500,000


45.9%

FI portfolio

My FI portfolio now consists of USD 50,801 (22.1%) in investments, USD 174,854 (76.2%) in retirement accounts, and USD 3,783 (1.6%) in cash.

Investments

Since my last update, my investments decreased with USD -1,003 (-1.94%), of which USD 75 was from contributions, and USD 1,152 was from returns.

Since I started tracking, my total contributions have been USD 52,093, and my total return has been USD 20,774.

Retirement accounts

Since my last update, my retirement accounts decreased with USD -3,734 (-2.09%), of which USD 133 was from contributions , and USD 3,057 was from returns.

Since I started tracking, my total contributions have been USD 24,687, and my total return is USD 113,074.




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

If I quit working today, my monthly pay out would be USD 764 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
764/month
(4.0% SWR)
669/month
(3.5% SWR)
573/month
(3.0% SWR)


When can I retire?

FI date

My age

45

I am currently aiming to save/invest approximately USD 1,400 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 500,000 in 2 years and 10 months, in , and at that time I will be 45 years old.

By that time I will have invested/saved another USD 110,600, while the rest will be return on my existing FI portfolio and the new investments, in total USD 159,962


Financial independence forecast