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Net worth update per


This is unpo's #25 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 1,094,517 and my FI portfolio increased to USD 827,058


Net worth

USD 1,094,517

Since the last update on my net worth has increased with USD 14,744 (+ 1.37 %).

FI portfolio

USD 827,058

Since the last update on my FI portfolio has increased with USD 17,533 (+ 2.17 %).

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 261,426 +1,241 262,667
Investments 205,143 +11,671 216,814
Retirement acc 342,956 +4,621 347,577
Real estate 593,307 -1,368 591,939
Other assets 82,377 -2,133 80,244
Total assets 1,485,209 +14,032 1,499,241

Mortgage 365,436 -712 364,724
Other debt 40,000 0 40,000
Total debt 405,436 -712 404,724
Change
Cash 217,742 +44,925 262,667
Investments 186,642 +30,172 216,814
Retirement acc 283,386 +64,191 347,577
Real estate 558,438 + 33,501 591,939
Other assets 75,327 + 4,917 80,244
Total assets 1,321,535 +177,706 1,499,241

Mortgage 368,268 -3,544 364,724
Other debt 0 + 40,000 40,000
Total debt 368,268 + 36,456 404,724
Change
Cash 71,900 +190,767 262,667
Investments 33,915 +182,899 216,814
Retirement acc 185,919 +161,658 347,577
Real estate 484,198 + 107,741 591,939
Other assets 46,455 + 33,789 80,244
Total assets 822,387 +676,854 1,499,241

Mortgage 381,357 -16,633 364,724
Other debt 168,776 -128,776 40,000
Total debt 550,133 -145,409 404,724

I am now 33.1% on my way to achive my FIRE target of USD 2,500,000. This is 0.7 percentage points closer, compared to the last net worth update.

USD 827,058 FIRE target: USD 2,500,000


33.1%

FI portfolio

My FI portfolio now consists of USD 216,814 (26.2%) in investments, USD 347,577 (42.0%) in retirement accounts, and USD 262,667 (31.8%) in cash.

Investments

Since my last update, my investments increased with USD 11,671 (5.69%).

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 increased with USD 4,621 (1.35%), 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 2,756 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
2,756/month
(4.0% SWR)
2,412/month
(3.5% SWR)
2,067/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 4 years and 11 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another USD 747,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 925,942


Financial independence forecast