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Net worth update per December 31st 2022


This is unpo's #20 net worth update. Please check out my profile here for more information. As of December 31st 2022, my net worth decreased to USD 953,267 and my FI portfolio decreased to USD 687,770


Net worth

USD 953,267

Since the last update on December 1st 2022 my net worth has decreased with USD -37,976 ( -3.83 %).

FI portfolio

USD 687,770

Since the last update on December 1st 2022 my FI portfolio has decreased with USD -21,061 ( -2.97 %).

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.
1 Dec 22 Change 31 Dec 22
Cash 224,266 -6,524 217,742
Investments 197,687 -11,045 186,642
Retirement acc 286,878 -3,492 283,386
Real estate 575,513 -17,075 558,438
Other assets 75,871 -544 75,327
Total assets 1,360,215 -38,680 1,321,535

Mortgage 368,972 -704 368,268
Other debt 0 0 0
Total debt 368,972 -704 368,268
30 Nov 21 Change 31 Dec 22
Cash 132,140 +85,602 217,742
Investments 105,106 +81,536 186,642
Retirement acc 225,523 +57,863 283,386
Real estate 547,345 + 11,093 558,438
Other assets 51,412 + 23,915 75,327
Total assets 1,061,526 +260,009 1,321,535

Mortgage 377,288 -9,020 368,268
Other debt 12,638 -12,638 0
Total debt 389,926 -21,658 368,268
1 Jun 21 Change 31 Dec 22
Cash 71,900 +145,842 217,742
Investments 33,915 +152,727 186,642
Retirement acc 185,919 +97,467 283,386
Real estate 484,198 + 74,240 558,438
Other assets 46,455 + 28,872 75,327
Total assets 822,387 +499,148 1,321,535

Mortgage 381,357 -13,089 368,268
Other debt 168,776 -168,776 0
Total debt 550,133 -181,865 368,268

I am now 27.5% on my way to achive my FIRE target of USD 2,500,000. This is -0.8 percentage points closer, compared to the last net worth update.

USD 687,770 FIRE target: USD 2,500,000


27.5%

FI portfolio

My FI portfolio now consists of USD 186,642 (27.1%) in investments, USD 283,386 (41.2%) in retirement accounts, and USD 217,742 (31.7%) in cash.

Investments

Since my last update, my investments decreased with USD -11,045 (-5.59%).

Since I started tracking, my total contributions have been USD 152,700, and my total return has been USD 199,437.

Retirement accounts

Since my last update, my retirement accounts decreased with USD -3,492 (-1.22%), of which USD 8,340 was from contributions , and USD 3,371 was from returns.

Since I started tracking, my total contributions have been USD 325,065, and my total return is USD 157,382.




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

If I quit working today, my monthly pay out would be USD 2,292 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
2,292/month
(4.0% SWR)
2,005/month
(3.5% SWR)
1,719/month
(3.0% SWR)


When can I retire?

FI date

August 2030

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 5 years and 3 months, in August 2030, and at that time I will be 44 years old.

By that time I will have invested/saved another USD 828,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 984,230


Financial independence forecast