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Net worth update per


This is unpo's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 602,640 and my FI portfolio increased to USD 440,700


Net worth

USD 602,640

Since the last update on my net worth has increased with USD 29,023 (+ 5.06 %).

FI portfolio

USD 440,700

Since the last update on my FI portfolio has increased with USD 19,419 (+ 4.61 %).

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 127,142 +5,761 132,903
Investments 94,382 +5,491 99,873
Retirement acc 199,757 +8,167 207,924
Real estate 506,933 + 4,722 511,655
Other assets 45,068 + 1,453 46,521
Total assets 973,282 +25,594 998,876

Mortgage 380,007 -678 379,329
Other debt 19,658 -2,751 16,907
Total debt 399,665 -3,429 396,236
Change
Cash 71,900 +61,003 132,903
Investments 33,915 +65,958 99,873
Retirement acc 185,919 +22,005 207,924
Real estate 484,198 + 27,457 511,655
Other assets 46,455 + 66 46,521
Total assets 822,387 +176,489 998,876

Mortgage 381,357 -2,028 379,329
Other debt 168,776 -151,869 16,907
Total debt 550,133 -153,897 396,236
Change
Cash 71,900 +61,003 132,903
Investments 33,915 +65,958 99,873
Retirement acc 185,919 +22,005 207,924
Real estate 484,198 + 27,457 511,655
Other assets 46,455 + 66 46,521
Total assets 822,387 +176,489 998,876

Mortgage 381,357 -2,028 379,329
Other debt 168,776 -151,869 16,907
Total debt 550,133 -153,897 396,236

I am now 17.6% on my way to achive my FIRE target of USD 2,500,000. This is 0.8 percentage points closer, compared to the last net worth update.

USD 440,700 FIRE target: USD 2,500,000


17.6%

FI portfolio

My FI portfolio now consists of USD 99,873 (22.7%) in investments, USD 207,924 (47.2%) in retirement accounts, and USD 132,903 (30.2%) in cash.

Investments

Since my last update, my investments increased with USD 5,491 (5.82%).

Since I started tracking, my total contributions have been USD 152,700, and my total return has been USD 200,511.

Retirement accounts

Since my last update, my retirement accounts increased with USD 8,167 (4.09%), of which USD 8,340 was from contributions , and USD -15,698 was from returns.

Since I started tracking, my total contributions have been USD 316,725, and my total return is USD 154,011.




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

If I quit working today, my monthly pay out would be USD 1,469 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
1,469/month
(4.0% SWR)
1,285/month
(3.5% SWR)
1,101/month
(3.0% SWR)


When can I retire?

FI date

My age

44

I am currently aiming to save/invest approximately USD 9,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 2,500,000 in 5 years and 4 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another USD 981,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 1,078,300


Financial independence forecast