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Net worth update per


This is thrilledIcecream9's #48 net worth update. Please check out my profile here for more information. As of , my net worth decreased to INR 51,106,149 and my FI portfolio decreased to INR 45,045,403


Net worth

INR 51,106,149

Since the last update on my net worth has decreased with INR -2,261,977 ( -4.24 %).

FI portfolio

INR 45,045,403

Since the last update on my FI portfolio has decreased with INR -3,020,248 ( -6.28 %).

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 INR.
Change
Cash 1,645,922 -1,127,271 518,651
Investments 44,772,690 -1,892,977 42,879,713
Retirement acc 1,647,039 0 1,647,039
Real estate 8,009,925 + 1,241,921 9,251,846
Other assets 1,713,124 + 50,000 1,763,124
Total assets 57,788,700 -1,728,327 56,060,373

Mortgage 4,420,574 533,650 4,954,224
Other debt 0 0 0
Total debt 4,420,574 533,650 4,954,224
Change
Cash 524,712 -6,061 518,651
Investments 29,901,327 +12,978,386 42,879,713
Retirement acc 1,531,673 +115,366 1,647,039
Real estate 5,901,700 + 3,350,146 9,251,846
Other assets 1,522,960 + 240,164 1,763,124
Total assets 39,382,372 +16,678,001 56,060,373

Mortgage 3,084,626 1,869,598 4,954,224
Other debt 0 0 0
Total debt 3,084,626 1,869,598 4,954,224
Change
Cash 400,000 +118,651 518,651
Investments 7,500,000 +35,379,713 42,879,713
Retirement acc 1,272,000 +375,039 1,647,039
Real estate 0 + 9,251,846 9,251,846
Other assets 772,421 + 990,703 1,763,124
Total assets 9,944,421 +46,115,952 56,060,373

Mortgage 0 4,954,224 4,954,224
Other debt 0 0 0
Total debt 0 + 4,954,224 4,954,224

I am now 150.2% on my way to achive my FIRE target of INR 30,000,000. This is -10.1 percentage points closer, compared to the last net worth update.

INR 45,045,403 FIRE target: INR 30,000,000


150.2%

FI portfolio

My FI portfolio now consists of INR 42,879,713 (95.2%) in investments, INR 1,647,039 (3.7%) in retirement accounts, and INR 518,651 (1.2%) in cash.

Investments

Since my last update, my investments decreased with INR -1,892,977 (-4.23%), of which INR 92,977 was from contributions, and INR -1,985,954 was from returns.

Since I started tracking, my total contributions have been INR 22,406,662, and my total return has been INR 12,973,051.

Retirement accounts

Since my last update, my retirement accounts decreased with INR 0 (0.0%).

Since I started tracking, my total contributions have been INR 1,814,390, and my total return is INR -1,439,351.




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

If I quit working today, my monthly pay out would be INR 150,151 for the rest of my life.


Monthly SWR amount
Retire today with (INR)
150,151/month
(4.0% SWR)
131,382/month
(3.5% SWR)
112,613/month
(3.0% SWR)


When can I retire?

FI date

My age

32

I am currently aiming to save/invest approximately INR 800,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of INR 30,000,000 in 0 years and -6 months, in , and at that time I will be 32 years old.

By that time I will have invested/saved another INR 800,000, while the rest will be return on my existing FI portfolio and the new investments, in total INR -15,845,403


Financial independence forecast