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Net worth update per


This is 2019's #51 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 276,422 and my FI portfolio decreased to USD 276,422


Net worth

USD 276,422

Since the last update on my net worth has decreased with USD -11,215 ( -3.9 %).

FI portfolio

USD 276,422

Since the last update on my FI portfolio has decreased with USD -11,215 ( -3.9 %).

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 32,506 +3,764 36,270
Investments 77,737 -5,587 72,150
Retirement acc 177,394 -9,392 168,002
Real estate 0 0 0
Other assets 0 0 0
Total assets 287,637 -11,215 276,422

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 26,968 +9,302 36,270
Investments 70,136 +2,014 72,150
Retirement acc 135,405 +32,597 168,002
Real estate 0 0 0
Other assets 0 0 0
Total assets 232,509 +43,913 276,422

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 15,000 +21,270 36,270
Investments 20,000 +52,150 72,150
Retirement acc 35,000 +133,002 168,002
Real estate 0 0 0
Other assets 0 0 0
Total assets 70,000 +206,422 276,422

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 46.1% on my way to achive my FIRE target of USD 600,000. This is -1.9 percentage points closer, compared to the last net worth update.

USD 276,422 FIRE target: USD 600,000


46.1%

FI portfolio

My FI portfolio now consists of USD 72,150 (26.1%) in investments, USD 168,002 (60.8%) in retirement accounts, and USD 36,270 (13.1%) in cash.

Investments

Since my last update, my investments decreased with USD -5,587 (-7.19%).

Retirement accounts

Since my last update, my retirement accounts decreased with USD -9,392 (-5.29%).




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

If I quit working today, my monthly pay out would be USD 921 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
921/month
(4.0% SWR)
806/month
(3.5% SWR)
691/month
(3.0% SWR)


When can I retire?

FI date

My age

34

I am currently aiming to save/invest approximately USD 2,280 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 600,000 in 4 years and 8 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another USD 161,880, while the rest will be return on my existing FI portfolio and the new investments, in total USD 161,698


Financial independence forecast