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Net worth update per


This is unpo's #31 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 1,151,618 and my FI portfolio increased to USD 882,654


Net worth

USD 1,151,618

Since the last update on my net worth has increased with USD 65,805 (+ 6.06 %).

FI portfolio

USD 882,654

Since the last update on my FI portfolio has increased with USD 65,347 (+ 8.0 %).

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 208,647 +9,240 217,887
Investments 224,061 +20,179 244,240
Retirement acc 384,599 +35,928 420,527
Real estate 565,897 -2,143 563,754
Other assets 63,746 + 1,878 65,624
Total assets 1,446,950 +65,082 1,512,032

Mortgage 361,137 -723 360,414
Other debt 0 0 0
Total debt 361,137 -723 360,414
Change
Cash 217,742 +145 217,887
Investments 186,642 +57,598 244,240
Retirement acc 283,386 +137,141 420,527
Real estate 558,438 + 5,316 563,754
Other assets 75,327 -9,703 65,624
Total assets 1,321,535 +190,497 1,512,032

Mortgage 368,268 -7,854 360,414
Other debt 0 0 0
Total debt 368,268 -7,854 360,414
Change
Cash 71,900 +145,987 217,887
Investments 33,915 +210,325 244,240
Retirement acc 185,919 +234,608 420,527
Real estate 484,198 + 79,556 563,754
Other assets 46,455 + 19,169 65,624
Total assets 822,387 +689,645 1,512,032

Mortgage 381,357 -20,943 360,414
Other debt 168,776 -168,776 0
Total debt 550,133 -189,719 360,414

I am now 35.3% on my way to achive my FIRE target of USD 2,500,000. This is 2.6 percentage points closer, compared to the last net worth update.

USD 882,654 FIRE target: USD 2,500,000


35.3%

FI portfolio

My FI portfolio now consists of USD 244,240 (27.7%) in investments, USD 420,527 (47.6%) in retirement accounts, and USD 217,887 (24.7%) in cash.

Investments

Since my last update, my investments increased with USD 20,179 (9.01%).

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 35,928 (9.34%), 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 2,942 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
2,942/month
(4.0% SWR)
2,574/month
(3.5% SWR)
2,206/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 5 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 702,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 915,346


Financial independence forecast