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Net worth update per


This is unpo's #16 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 701,846 and my FI portfolio decreased to USD 419,077


Net worth

USD 701,846

Since the last update on my net worth has decreased with USD -6,880 ( -0.97 %).

FI portfolio

USD 419,077

Since the last update on my FI portfolio has decreased with USD -941 ( -0.22 %).

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 63,565 +3,167 66,732
Investments 95,699 -3,264 92,435
Retirement acc 260,754 -844 259,910
Real estate 607,251 -2,671 604,580
Other assets 86,121 -4,825 81,296
Total assets 1,113,390 -8,437 1,104,953

Mortgage 371,770 -697 371,073
Other debt 32,894 -860 32,034
Total debt 404,664 -1,557 403,107
Change
Cash 132,140 -65,408 66,732
Investments 105,106 -12,671 92,435
Retirement acc 225,523 +34,387 259,910
Real estate 547,345 + 57,235 604,580
Other assets 51,412 + 29,884 81,296
Total assets 1,061,526 +43,427 1,104,953

Mortgage 377,288 -6,215 371,073
Other debt 12,638 + 19,396 32,034
Total debt 389,926 + 13,181 403,107
Change
Cash 71,900 -5,168 66,732
Investments 33,915 +58,520 92,435
Retirement acc 185,919 +73,991 259,910
Real estate 484,198 + 120,382 604,580
Other assets 46,455 + 34,841 81,296
Total assets 822,387 +282,566 1,104,953

Mortgage 381,357 -10,284 371,073
Other debt 168,776 -136,742 32,034
Total debt 550,133 -147,026 403,107

I am now 16.8% on my way to achive my FIRE target of USD 2,500,000. This is -0.0 percentage points closer, compared to the last net worth update.

USD 419,077 FIRE target: USD 2,500,000


16.8%

FI portfolio

My FI portfolio now consists of USD 92,435 (22.1%) in investments, USD 259,910 (62.0%) in retirement accounts, and USD 66,732 (15.9%) in cash.

Investments

Since my last update, my investments decreased with USD -3,264 (-3.41%).

Since I started tracking, my total contributions have been USD 152,700, and my total return has been USD 200,511.

Retirement accounts

Since my last update, my retirement accounts decreased with USD -844 (-0.32%), of which USD 8,340 was from contributions , and USD -15,698 was from returns.

Since I started tracking, my total contributions have been USD 316,725, and my total return is USD 154,011.




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

If I quit working today, my monthly pay out would be USD 1,396 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
1,396/month
(4.0% SWR)
1,222/month
(3.5% SWR)
1,047/month
(3.0% SWR)


When can I retire?

FI date

My age

45

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 6 years and 3 months, in , and at that time I will be 45 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 1,108,923


Financial independence forecast