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Net worth update per


This is unpo's #27 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 1,120,131 and my FI portfolio increased to USD 875,036


Net worth

USD 1,120,131

Since the last update on my net worth has increased with USD 5,379 (+ 0.48 %).

FI portfolio

USD 875,036

Since the last update on my FI portfolio has increased with USD 18,367 (+ 2.14 %).

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 254,789 -7,050 247,739
Investments 230,171 +7,253 237,424
Retirement acc 371,709 +18,164 389,873
Real estate 589,362 -8,407 580,955
Other assets 72,731 -5,297 67,434
Total assets 1,518,762 +4,663 1,523,425

Mortgage 364,010 -716 363,294
Other debt 40,000 0 40,000
Total debt 404,010 -716 403,294
Change
Cash 217,742 +29,997 247,739
Investments 186,642 +50,782 237,424
Retirement acc 283,386 +106,487 389,873
Real estate 558,438 + 22,517 580,955
Other assets 75,327 -7,893 67,434
Total assets 1,321,535 +201,890 1,523,425

Mortgage 368,268 -4,974 363,294
Other debt 0 + 40,000 40,000
Total debt 368,268 + 35,026 403,294
Change
Cash 71,900 +175,839 247,739
Investments 33,915 +203,509 237,424
Retirement acc 185,919 +203,954 389,873
Real estate 484,198 + 96,757 580,955
Other assets 46,455 + 20,979 67,434
Total assets 822,387 +701,038 1,523,425

Mortgage 381,357 -18,063 363,294
Other debt 168,776 -128,776 40,000
Total debt 550,133 -146,839 403,294

I am now 35.0% 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 875,036 FIRE target: USD 2,500,000


35.0%

FI portfolio

My FI portfolio now consists of USD 237,424 (27.1%) in investments, USD 389,873 (44.6%) in retirement accounts, and USD 247,739 (28.3%) in cash.

Investments

Since my last update, my investments increased with USD 7,253 (3.15%).

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 18,164 (4.89%), 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 2,916 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
2,916/month
(4.0% SWR)
2,552/month
(3.5% SWR)
2,187/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 5 years and 10 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another USD 720,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 904,964


Financial independence forecast