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Net worth update per


This is thrilledIcecream9's #32 net worth update. Please check out my profile here for more information. As of , my net worth increased to INR 28,584,146 and my FI portfolio increased to INR 25,990,188


Net worth

INR 28,584,146

Since the last update on my net worth has increased with INR 480,304 (+ 1.71 %).

FI portfolio

INR 25,990,188

Since the last update on my FI portfolio has increased with INR 454,308 (+ 1.78 %).

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 231,687 +241,416 473,103
Investments 23,772,520 +212,892 23,985,412
Retirement acc 1,531,673 0 1,531,673
Real estate 5,001,700 0 5,001,700
Other assets 1,276,796 0 1,276,796
Total assets 31,814,376 +454,308 32,268,684

Mortgage 3,710,534 -25,996 3,684,538
Other debt 0 0 0
Total debt 3,710,534 -25,996 3,684,538
Change
Cash 343,017 +130,086 473,103
Investments 22,212,142 +1,773,270 23,985,412
Retirement acc 1,421,972 +109,701 1,531,673
Real estate 3,001,700 + 2,000,000 5,001,700
Other assets 1,266,632 + 10,164 1,276,796
Total assets 28,245,463 +4,023,221 32,268,684

Mortgage 2,297,733 1,386,805 3,684,538
Other debt 0 0 0
Total debt 2,297,733 1,386,805 3,684,538
Change
Cash 400,000 +73,103 473,103
Investments 7,500,000 +16,485,412 23,985,412
Retirement acc 1,272,000 +259,673 1,531,673
Real estate 0 + 5,001,700 5,001,700
Other assets 772,421 + 504,375 1,276,796
Total assets 9,944,421 +22,324,263 32,268,684

Mortgage 0 3,684,538 3,684,538
Other debt 0 0 0
Total debt 0 + 3,684,538 3,684,538

I am now 43.3% on my way to achive my FIRE target of INR 60,000,000. This is 0.8 percentage points closer, compared to the last net worth update.

INR 25,990,188 FIRE target: INR 60,000,000


43.3%

FI portfolio

My FI portfolio now consists of INR 23,985,412 (92.3%) in investments, INR 1,531,673 (5.9%) in retirement accounts, and INR 473,103 (1.8%) in cash.

Investments

Since my last update, my investments increased with INR 212,892 (0.9%), 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 86,633 for the rest of my life.


Monthly SWR amount
Retire today with (INR)
86,633/month
(4.0% SWR)
75,804/month
(3.5% SWR)
64,975/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 -5 months, in , and at that time I will be 33 years old.

By that time I will have invested/saved another INR 24,000,000, while the rest will be return on my existing FI portfolio and the new investments, in total INR 10,009,812


Financial independence forecast