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Net worth update per


This is enragedCake2's #25 net worth update. Please check out my profile here for more information. As of , my net worth decreased to INR 5,952,193 and my FI portfolio decreased to INR 5,201,870


Net worth

INR 5,952,193

Since the last update on my net worth has decreased with INR -1,452,826 ( -19.62 %).

FI portfolio

INR 5,201,870

Since the last update on my FI portfolio has decreased with INR -525,706 ( -9.18 %).

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 914,108 +185,892 1,100,000
Investments 4,473,576 -815,483 3,658,093
Retirement acc 339,892 +103,885 443,777
Real estate 0 0 0
Other assets 1,986,800 -1,108,208 878,592
Total assets 7,714,376 -1,633,914 6,080,462

Mortgage 0 0 0
Other debt 309,357 -181,088 128,269
Total debt 309,357 -181,088 128,269
Change
Cash 82,000 +1,018,000 1,100,000
Investments 6,440,510 -2,782,417 3,658,093
Retirement acc 363,629 +80,148 443,777
Real estate 0 0 0
Other assets 1,966,110 -1,087,518 878,592
Total assets 8,852,249 -2,771,787 6,080,462

Mortgage 0 0 0
Other debt 347,635 -219,366 128,269
Total debt 347,635 -219,366 128,269
Change
Cash 1,190,877 -90,877 1,100,000
Investments 425,244 +3,232,849 3,658,093
Retirement acc 95,920 +347,857 443,777
Real estate 0 0 0
Other assets 1,610,039 -731,447 878,592
Total assets 3,322,080 +2,758,382 6,080,462

Mortgage 0 0 0
Other debt 0 + 128,269 128,269
Total debt 0 + 128,269 128,269

I am now 8.7% on my way to achive my FIRE target of INR 60,000,000. This is -0.9 percentage points closer, compared to the last net worth update.

INR 5,201,870 FIRE target: INR 60,000,000


8.7%

FI portfolio

My FI portfolio now consists of INR 3,658,093 (70.3%) in investments, INR 443,777 (8.5%) in retirement accounts, and INR 1,100,000 (21.1%) in cash.

Investments

Since my last update, my investments decreased with INR -815,483 (-18.23%).

Since I started tracking, my total contributions have been INR 123,587, and my total return has been INR 18,200,229.

Retirement accounts

Since my last update, my retirement accounts increased with INR 103,885 (30.56%).

Since I started tracking, my total contributions have been INR 7,360, and my total return is INR 1,277,329.




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

If I quit working today, my monthly pay out would be INR 17,339 for the rest of my life.


Monthly SWR amount
Retire today with (INR)
17,339/month
(4.0% SWR)
15,172/month
(3.5% SWR)
13,004/month
(3.0% SWR)


When can I retire?

FI date

My age

36

I am currently aiming to save/invest approximately INR 480,000 each month.

Assuming an annual return of 8% on my investments and my retirement accounts, I aim to reach my FIRE target of INR 60,000,000 in 3 years and 11 months, in , and at that time I will be 36 years old.

By that time I will have invested/saved another INR 39,360,000, while the rest will be return on my existing FI portfolio and the new investments, in total INR 15,438,130


Financial independence forecast