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Net worth update per


This is unpo's #24 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 1,079,773 and my FI portfolio increased to USD 809,525


Net worth

USD 1,079,773

Since the last update on my net worth has increased with USD 58,125 (+ 5.69 %).

FI portfolio

USD 809,525

Since the last update on my FI portfolio has increased with USD 26,743 (+ 3.42 %).

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 251,844 +9,582 261,426
Investments 201,174 +3,969 205,143
Retirement acc 329,764 +13,192 342,956
Real estate 566,247 + 27,060 593,307
Other assets 78,766 + 3,611 82,377
Total assets 1,427,795 +57,414 1,485,209

Mortgage 366,147 -711 365,436
Other debt 40,000 0 40,000
Total debt 406,147 -711 405,436
Change
Cash 217,742 +43,684 261,426
Investments 186,642 +18,501 205,143
Retirement acc 283,386 +59,570 342,956
Real estate 558,438 + 34,869 593,307
Other assets 75,327 + 7,050 82,377
Total assets 1,321,535 +163,674 1,485,209

Mortgage 368,268 -2,832 365,436
Other debt 0 + 40,000 40,000
Total debt 368,268 + 37,168 405,436
Change
Cash 71,900 +189,526 261,426
Investments 33,915 +171,228 205,143
Retirement acc 185,919 +157,037 342,956
Real estate 484,198 + 109,109 593,307
Other assets 46,455 + 35,922 82,377
Total assets 822,387 +662,822 1,485,209

Mortgage 381,357 -15,921 365,436
Other debt 168,776 -128,776 40,000
Total debt 550,133 -144,697 405,436

I am now 32.4% on my way to achive my FIRE target of USD 2,500,000. This is 1.1 percentage points closer, compared to the last net worth update.

USD 809,525 FIRE target: USD 2,500,000


32.4%

FI portfolio

My FI portfolio now consists of USD 205,143 (25.3%) in investments, USD 342,956 (42.4%) in retirement accounts, and USD 261,426 (32.3%) in cash.

Investments

Since my last update, my investments increased with USD 3,969 (1.97%).

Since I started tracking, my total contributions have been USD 152,200, and my total return has been USD 121,381.

Retirement accounts

Since my last update, my retirement accounts increased with USD 13,192 (4.0%), of which USD 7,595 was from contributions , and USD 13,778 was from returns.

Since I started tracking, my total contributions have been USD 247,099, and my total return is USD 78,049.




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

If I quit working today, my monthly pay out would be USD 2,698 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
2,698/month
(4.0% SWR)
2,361/month
(3.5% SWR)
2,023/month
(3.0% SWR)


When can I retire?

FI date

My age

43

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 0 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another USD 765,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 925,475


Financial independence forecast