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Net worth update per


This is firewarden's #63 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 7,532,027 and my FI portfolio decreased to USD 6,398,590


Net worth

USD 7,532,027

Since the last update on my net worth has decreased with USD -32,930 ( -0.44 %).

FI portfolio

USD 6,398,590

Since the last update on my FI portfolio has decreased with USD -37,942 ( -0.59 %).

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 367,302 +84,770 452,072
Investments 2,767,215 -76,990 2,690,225
Retirement acc 3,302,015 -45,722 3,256,293
Real estate 3,200,000 0 3,200,000
Other assets 25,000 0 25,000
Total assets 9,661,532 -37,942 9,623,590

Mortgage 2,096,575 -5,012 2,091,563
Other debt 0 0 0
Total debt 2,096,575 -5,012 2,091,563
Change
Cash 465,601 -13,529 452,072
Investments 2,847,838 -157,613 2,690,225
Retirement acc 3,092,226 +164,067 3,256,293
Real estate 3,200,000 0 3,200,000
Other assets 15,000 + 10,000 25,000
Total assets 9,620,665 +2,925 9,623,590

Mortgage 2,154,205 -62,642 2,091,563
Other debt 0 0 0
Total debt 2,154,205 -62,642 2,091,563
Change
Cash 388,818 +63,254 452,072
Investments 0 +2,690,225 2,690,225
Retirement acc 627,250 +2,629,043 3,256,293
Real estate 3,050,000 + 150,000 3,200,000
Other assets 0 + 25,000 25,000
Total assets 4,066,068 +5,557,522 9,623,590

Mortgage 849,997 1,241,566 2,091,563
Other debt 0 0 0
Total debt 849,997 + 1,241,566 2,091,563

I am now 48.5% on my way to achive my FIRE target of USD 13,200,000. This is -0.3 percentage points closer, compared to the last net worth update.

USD 6,398,590 FIRE target: USD 13,200,000


48.5%

FI portfolio

My FI portfolio now consists of USD 2,690,225 (42.0%) in investments, USD 3,256,293 (50.9%) in retirement accounts, and USD 452,072 (7.1%) in cash.

Investments

Since my last update, my investments decreased with USD -76,990 (-2.78%).

Since I started tracking, my total contributions have been USD 3,050,749, and my total return has been USD 726,089.

Retirement accounts

Since my last update, my retirement accounts decreased with USD -45,722 (-1.38%), of which USD 2,021 was from contributions , and USD -115,800 was from returns.

Since I started tracking, my total contributions have been USD 2,522,592, and my total return is USD 1,228,320.




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

If I quit working today, my monthly pay out would be USD 21,328 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
21,328/month
(4.0% SWR)
18,662/month
(3.5% SWR)
15,996/month
(3.0% SWR)


When can I retire?

FI date

My age

42

I am currently aiming to save/invest approximately USD 40,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 13,200,000 in 4 years and 2 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another USD 3,160,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 3,641,410


Financial independence forecast