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Net worth update per


This is unpo's #13 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 712,786 and my FI portfolio increased to USD 417,478


Net worth

USD 712,786

Since the last update on my net worth has increased with USD 17,668 (+ 2.54 %).

FI portfolio

USD 417,478

Since the last update on my FI portfolio has increased with USD 7,029 (+ 1.71 %).

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.
Change
Cash 62,685 +6,707 69,392
Investments 98,243 -1,955 96,288
Retirement acc 249,521 +2,277 251,798
Real estate 602,505 + 12,363 614,868
Other assets 91,482 -3,277 88,205
Total assets 1,104,436 +16,115 1,120,551

Mortgage 373,852 -692 373,160
Other debt 35,466 -861 34,605
Total debt 409,318 -1,553 407,765
Change
Cash 132,140 -62,748 69,392
Investments 105,106 -8,818 96,288
Retirement acc 225,523 +26,275 251,798
Real estate 547,345 + 67,523 614,868
Other assets 51,412 + 36,793 88,205
Total assets 1,061,526 +59,025 1,120,551

Mortgage 377,288 -4,128 373,160
Other debt 12,638 + 21,967 34,605
Total debt 389,926 + 17,839 407,765
Change
Cash 71,900 -2,508 69,392
Investments 33,915 +62,373 96,288
Retirement acc 185,919 +65,879 251,798
Real estate 484,198 + 130,670 614,868
Other assets 46,455 + 41,750 88,205
Total assets 822,387 +298,164 1,120,551

Mortgage 381,357 -8,197 373,160
Other debt 168,776 -134,171 34,605
Total debt 550,133 -142,368 407,765

I am now 16.7% on my way to achive my FIRE target of USD 2,500,000. This is 0.3 percentage points closer, compared to the last net worth update.

USD 417,478 FIRE target: USD 2,500,000


16.7%

FI portfolio

My FI portfolio now consists of USD 96,288 (23.1%) in investments, USD 251,798 (60.3%) in retirement accounts, and USD 69,392 (16.6%) in cash.

Investments

Since my last update, my investments decreased with USD -1,955 (-1.99%).

Since I started tracking, my total contributions have been USD 152,200, and my total return has been USD 121,381.

Retirement accounts

Since my last update, my retirement accounts increased with USD 2,277 (0.91%), of which USD 7,595 was from contributions , and USD 13,778 was from returns.

Since I started tracking, my total contributions have been USD 247,099, and my total return is USD 78,049.




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

If I quit working today, my monthly pay out would be USD 1,391 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
1,391/month
(4.0% SWR)
1,217/month
(3.5% SWR)
1,043/month
(3.0% SWR)


When can I retire?

FI date

My age

44

I am currently aiming to save/invest approximately USD 9,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 2,500,000 in 7 years and 1 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another USD 972,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 1,110,522


Financial independence forecast