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Net worth update per



This is kyuminaga's #4 net worth update. Please check out my profile here for more information. As of , my net worth decreased to HKD 3,017,602 and my FI portfolio decreased to HKD 1,267,602


Net worth

HKD 3,017,602

Since the last update on my net worth has decreased with HKD -21,025 ( -0.69 %).

FI portfolio

HKD 1,267,602

Since the last update on my FI portfolio has decreased with HKD -91,025 ( -6.7 %).

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 HKD.

I am now 3.2% on my way to achive my FIRE target of HKD 40,000,000. This is -0.2 percentage points closer, compared to the last net worth update.

HKD 1,267,602 FIRE target: HKD 40,000,000


3.2%


FI portfolio


My FI portfolio now consists of HKD 893,555 (70.5%) in investments, HKD 301,400 (23.8%) in retirement accounts, and HKD 72,647 (5.7%) in cash.

Investments

Since my last update, my investments increased with HKD 34,428 (4.01%), of which HKD 40,000 was from contributions, and HKD 35,714 was from returns.

Since I started tracking, my total contributions have been HKD 244,428, and my total return has been HKD 298,286.

Retirement accounts

Since my last update, my retirement accounts increased with HKD 3,900 (1.31%), of which HKD 3,000 was from contributions , and HKD -1,700 was from returns.

Since I started tracking, my total contributions have been HKD 15,000, and my total return is HKD 8,800.




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


If I quit working today, my monthly pay out would be HKD 4,225 for the rest of my life.


Monthly SWR amount
Retire today with (HKD)
4,225/month
(4.0% SWR)
3,697/month
(3.5% SWR)
3,169/month
(3.0% SWR)


When can I retire?


FI date


My age

51

I am currently aiming to save/invest approximately HKD 35,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of HKD 40,000,000 in 18 years and 4 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another HKD 8,855,000, while the rest will be return on my existing FI portfolio and the new investments, in total HKD 29,877,398


Financial independence forecast