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Net worth update per


This is unpo's #28 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 1,106,837 and my FI portfolio decreased to USD 838,274


Net worth

USD 1,106,837

Since the last update on my net worth has decreased with USD -13,294 ( -1.19 %).

FI portfolio

USD 838,274

Since the last update on my FI portfolio has decreased with USD -36,762 ( -4.2 %).

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 247,739 -34,761 212,978
Investments 237,424 -2,547 234,877
Retirement acc 389,873 +546 390,419
Real estate 580,955 -15,570 565,385
Other assets 67,434 -1,679 65,755
Total assets 1,523,425 -54,011 1,469,414

Mortgage 363,294 -717 362,577
Other debt 40,000 -40,000 0
Total debt 403,294 -40,717 362,577
Change
Cash 217,742 -4,764 212,978
Investments 186,642 +48,235 234,877
Retirement acc 283,386 +107,033 390,419
Real estate 558,438 + 6,947 565,385
Other assets 75,327 -9,572 65,755
Total assets 1,321,535 +147,879 1,469,414

Mortgage 368,268 -5,691 362,577
Other debt 0 0 0
Total debt 368,268 -5,691 362,577
Change
Cash 71,900 +141,078 212,978
Investments 33,915 +200,962 234,877
Retirement acc 185,919 +204,500 390,419
Real estate 484,198 + 81,187 565,385
Other assets 46,455 + 19,300 65,755
Total assets 822,387 +647,027 1,469,414

Mortgage 381,357 -18,780 362,577
Other debt 168,776 -168,776 0
Total debt 550,133 -187,556 362,577

I am now 33.5% on my way to achive my FIRE target of USD 2,500,000. This is -1.5 percentage points closer, compared to the last net worth update.

USD 838,274 FIRE target: USD 2,500,000


33.5%

FI portfolio

My FI portfolio now consists of USD 234,877 (28.0%) in investments, USD 390,419 (46.6%) in retirement accounts, and USD 212,978 (25.4%) in cash.

Investments

Since my last update, my investments decreased with USD -2,547 (-1.07%).

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 546 (0.14%), 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 2,794 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
2,794/month
(4.0% SWR)
2,444/month
(3.5% SWR)
2,095/month
(3.0% SWR)


When can I retire?

FI date

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 6 years and 0 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another USD 729,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 932,726


Financial independence forecast