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Net worth update per


This is thrilledIcecream9's #28 net worth update. Please check out my profile here for more information. As of , my net worth decreased to INR 25,925,150 and my FI portfolio decreased to INR 23,795,906


Net worth

INR 25,925,150

Since the last update on my net worth has decreased with INR -22,580 ( -0.09 %).

FI portfolio

INR 23,795,906

Since the last update on my FI portfolio has decreased with INR -181,225 ( -0.76 %).

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 343,017 +124,602 467,619
Investments 22,212,142 -305,827 21,906,315
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 28,245,463 -181,225 28,064,238

Mortgage 2,297,733 -158,645 2,139,088
Other debt 0 0 0
Total debt 2,297,733 -158,645 2,139,088
Change
Cash 343,017 +124,602 467,619
Investments 22,212,142 -305,827 21,906,315
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 28,245,463 -181,225 28,064,238

Mortgage 2,297,733 -158,645 2,139,088
Other debt 0 0 0
Total debt 2,297,733 -158,645 2,139,088
Change
Cash 400,000 +67,619 467,619
Investments 7,500,000 +14,406,315 21,906,315
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 +18,119,817 28,064,238

Mortgage 0 2,139,088 2,139,088
Other debt 0 0 0
Total debt 0 + 2,139,088 2,139,088

I am now 39.7% on my way to achive my FIRE target of INR 60,000,000. This is -0.3 percentage points closer, compared to the last net worth update.

INR 23,795,906 FIRE target: INR 60,000,000


39.7%

FI portfolio

My FI portfolio now consists of INR 21,906,315 (92.1%) in investments, INR 1,421,972 (6.0%) in retirement accounts, and INR 467,619 (2.0%) in cash.

Investments

Since my last update, my investments decreased with INR -305,827 (-1.38%), 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 79,319 for the rest of my life.


Monthly SWR amount
Retire today with (INR)
79,319/month
(4.0% SWR)
69,404/month
(3.5% SWR)
59,489/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 -7 months, in , and at that time I will be 33 years old.

By that time I will have invested/saved another INR 25,600,000, while the rest will be return on my existing FI portfolio and the new investments, in total INR 10,604,094


Financial independence forecast