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Net worth update per


This is thrilledIcecream9's #26 net worth update. Please check out my profile here for more information. As of , my net worth increased to INR 25,034,235 and my FI portfolio increased to INR 23,215,001


Net worth

INR 25,034,235

Since the last update on my net worth has increased with INR 249,108 (+ 1.01 %).

FI portfolio

INR 23,215,001

Since the last update on my FI portfolio has increased with INR 274,108 (+ 1.19 %).

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 INR.
Change
Cash 378,007 -20,193 357,814
Investments 21,140,914 +294,301 21,435,215
Retirement acc 1,421,972 0 1,421,972
Real estate 3,001,700 0 3,001,700
Other assets 1,266,632 0 1,266,632
Total assets 27,209,225 +274,108 27,483,333

Mortgage 2,424,098 25,000 2,449,098
Other debt 0 0 0
Total debt 2,424,098 25,000 2,449,098
Change
Cash 34,874 +322,940 357,814
Investments 14,813,514 +6,621,701 21,435,215
Retirement acc 1,289,320 +132,652 1,421,972
Real estate 0 + 3,001,700 3,001,700
Other assets 1,096,304 + 170,328 1,266,632
Total assets 17,234,012 +10,249,321 27,483,333

Mortgage 0 2,449,098 2,449,098
Other debt 0 0 0
Total debt 0 2,449,098 2,449,098
Change
Cash 400,000 -42,186 357,814
Investments 7,500,000 +13,935,215 21,435,215
Retirement acc 1,272,000 +149,972 1,421,972
Real estate 0 + 3,001,700 3,001,700
Other assets 772,421 + 494,211 1,266,632
Total assets 9,944,421 +17,538,912 27,483,333

Mortgage 0 2,449,098 2,449,098
Other debt 0 0 0
Total debt 0 + 2,449,098 2,449,098

I am now 38.7% on my way to achive my FIRE target of INR 60,000,000. This is 0.5 percentage points closer, compared to the last net worth update.

INR 23,215,001 FIRE target: INR 60,000,000


38.7%

FI portfolio

My FI portfolio now consists of INR 21,435,215 (92.3%) in investments, INR 1,421,972 (6.1%) in retirement accounts, and INR 357,814 (1.5%) in cash.

Investments

Since my last update, my investments increased with INR 294,301 (1.39%), of which INR 529,217 was from contributions, and INR -782,968 was from returns.

Since I started tracking, my total contributions have been INR 34,683,589, and my total return has been INR 14,292,671.

Retirement accounts

Since my last update, my retirement accounts decreased with INR 0 (0.0%).

Since I started tracking, my total contributions have been INR 1,814,390, and my total return is INR -1,313,260.




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

If I quit working today, my monthly pay out would be INR 77,383 for the rest of my life.


Monthly SWR amount
Retire today with (INR)
77,383/month
(4.0% SWR)
67,710/month
(3.5% SWR)
58,037/month
(3.0% SWR)


When can I retire?

FI date

My age

33

I am currently aiming to save/invest approximately INR 800,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of INR 60,000,000 in 0 years and -8 months, in , and at that time I will be 33 years old.

By that time I will have invested/saved another INR 26,400,000, while the rest will be return on my existing FI portfolio and the new investments, in total INR 10,384,999


Financial independence forecast