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Net worth update per December 23rd 2021


This is Falco's #269 net worth update. Please check out my profile here for more information. As of December 23rd 2021, my net worth increased to USD 281,071 and my FI portfolio increased to USD 281,071


Net worth

USD 281,071

Since the last update on December 22nd 2021 my net worth has increased with USD 1,044 (+ 0.37 %).

FI portfolio

USD 281,071

Since the last update on December 22nd 2021 my FI portfolio has increased with USD 1,044 (+ 0.37 %).

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.
22 Dec 21 Change 23 Dec 21
Cash 10,638 0 10,638
Investments 72,236 +451 72,687
Retirement acc 197,153 +593 197,746
Real estate 0 0 0
Other assets 0 0 0
Total assets 280,027 +1,044 281,071

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
31 Dec 20 Change 23 Dec 21
Cash 9,850 +788 10,638
Investments 41,949 +30,738 72,687
Retirement acc 156,929 +40,817 197,746
Real estate 0 0 0
Other assets 0 0 0
Total assets 208,728 +72,343 281,071

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
17 Sep 20 Change 23 Dec 21
Cash 20,502 -9,864 10,638
Investments 22,774 +49,913 72,687
Retirement acc 141,441 +56,305 197,746
Real estate 0 0 0
Other assets 0 0 0
Total assets 184,717 +96,354 281,071

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

I am now 56.2% on my way to achive my FIRE target of USD 500,000. This is 0.2 percentage points closer, compared to the last net worth update.

USD 281,071 FIRE target: USD 500,000


56.2%

FI portfolio

My FI portfolio now consists of USD 72,687 (25.9%) in investments, USD 197,746 (70.4%) in retirement accounts, and USD 10,638 (3.8%) in cash.

Investments

Since my last update, my investments increased with USD 451 (0.62%), of which USD 100 was from contributions, and USD 179,298 was from returns.

Since I started tracking, my total contributions have been USD 54,093, and my total return has been USD 200,065.

Retirement accounts

Since my last update, my retirement accounts increased with USD 593 (0.3%), of which USD 134 was from contributions , and USD -187,258 was from returns.

Since I started tracking, my total contributions have been USD 27,367, and my total return is USD -73,224.




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

If I quit working today, my monthly pay out would be USD 936 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
936/month
(4.0% SWR)
819/month
(3.5% SWR)
702/month
(3.0% SWR)


When can I retire?

FI date

January 2027

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 1 years and 7 months, in January 2027, and at that time I will be 44 years old.

By that time I will have invested/saved another USD 85,400, while the rest will be return on my existing FI portfolio and the new investments, in total USD 133,529


Financial independence forecast