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Net worth update per


This is Falco's #225 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 274,146 and my FI portfolio increased to USD 274,146


Net worth

USD 274,146

Since the last update on my net worth has increased with USD 1,965 (+ 0.72 %).

FI portfolio

USD 274,146

Since the last update on my FI portfolio has increased with USD 1,965 (+ 0.72 %).

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 13,553 0 13,553
Investments 69,489 +813 70,302
Retirement acc 189,139 +1,152 190,291
Real estate 0 0 0
Other assets 0 0 0
Total assets 272,181 +1,965 274,146

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 9,850 +3,703 13,553
Investments 41,949 +28,353 70,302
Retirement acc 156,929 +33,362 190,291
Real estate 0 0 0
Other assets 0 0 0
Total assets 208,728 +65,418 274,146

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 20,502 -6,949 13,553
Investments 22,774 +47,528 70,302
Retirement acc 141,441 +48,850 190,291
Real estate 0 0 0
Other assets 0 0 0
Total assets 184,717 +89,429 274,146

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

I am now 54.8% on my way to achive my FIRE target of USD 500,000. This is 0.4 percentage points closer, compared to the last net worth update.

USD 274,146 FIRE target: USD 500,000


54.8%

FI portfolio

My FI portfolio now consists of USD 70,302 (25.6%) in investments, USD 190,291 (69.4%) in retirement accounts, and USD 13,553 (4.9%) in cash.

Investments

Since my last update, my investments increased with USD 813 (1.17%), of which USD 150 was from contributions, and USD 1,592 was from returns.

Since I started tracking, my total contributions have been USD 49,243, and my total return has been USD 9,045.

Retirement accounts

Since my last update, my retirement accounts increased with USD 1,152 (0.61%), of which USD 132 was from contributions , and USD 3,126 was from returns.

Since I started tracking, my total contributions have been USD 20,355, and my total return is USD 75,673.




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

If I quit working today, my monthly pay out would be USD 913 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
913/month
(4.0% SWR)
799/month
(3.5% SWR)
685/month
(3.0% SWR)


When can I retire?

FI date

My age

44

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 9 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another USD 89,600, while the rest will be return on my existing FI portfolio and the new investments, in total USD 136,254


Financial independence forecast