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Net worth update per

This is Sapphire's #9 net worth update. Please check out my profile here for more information. As of , my net worth decreased to NOK 1,023,000 and my FI portfolio decreased to NOK 555,000

Net worth

NOK 1,023,000

Since the last update on my net worth has decreased with NOK -9,000 ( -0.87 %).

FI portfolio

NOK 555,000

Since the last update on my FI portfolio has decreased with NOK -13,000 ( -2.29 %).

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 NOK.

I am now 9.2% on my way to achive my FIRE target of NOK 6,000,000. This is -0.2 percentage points closer, compared to the last net worth update.

NOK 555,000 FIRE target: NOK 6,000,000


FI portfolio

My FI portfolio now consists of NOK 515,000 (92.8%) in investments, and NOK 40,000 (7.2%) in cash.


Since my last update, my investments increased with NOK 7,000 (1.38%), of which NOK 25,000 was from contributions, and NOK 32,000 was from returns.

Since I started tracking, my total contributions have been NOK 547,000, and my total return has been NOK 108,101.

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

If I quit working today, my monthly pay out would be NOK 1,850 for the rest of my life.

Monthly SWR amount
Retire today with (NOK)
(4.0% SWR)
(3.5% SWR)
(3.0% SWR)

When can I retire?

FI date

My age


I am currently aiming to save/invest approximately NOK 20,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of NOK 6,000,000 in 9 years and 3 months, in , and at that time I will be 36 years old.

By that time I will have invested/saved another NOK 2,540,000, while the rest will be return on my existing FI portfolio and the new investments, in total NOK 2,905,000

Financial independence forecast