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Net worth update per January 31st 2024


This is unpo's #33 net worth update. Please check out my profile here for more information. As of January 31st 2024, my net worth increased to USD 1,195,914 and my FI portfolio increased to USD 926,166


Net worth

USD 1,195,914

Since the last update on December 30th 2023 my net worth has increased with USD 26,324 (+ 2.25 %).

FI portfolio

USD 926,166

Since the last update on December 30th 2023 my FI portfolio has increased with USD 18,408 (+ 2.03 %).

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.
30 Dec 23 Change 31 Jan 24
Cash 211,702 -27,654 184,048
Investments 253,821 +34,110 287,931
Retirement acc 442,235 +11,952 454,187
Real estate 557,150 + 8,355 565,505
Other assets 64,372 -1,165 63,207
Total assets 1,529,280 +25,598 1,554,878

Mortgage 359,690 -726 358,964
Other debt 0 0 0
Total debt 359,690 -726 358,964
30 Dec 23 Change 31 Jan 24
Cash 211,702 -27,654 184,048
Investments 253,821 +34,110 287,931
Retirement acc 442,235 +11,952 454,187
Real estate 557,150 + 8,355 565,505
Other assets 64,372 -1,165 63,207
Total assets 1,529,280 +25,598 1,554,878

Mortgage 359,690 -726 358,964
Other debt 0 0 0
Total debt 359,690 -726 358,964
1 Jun 21 Change 31 Jan 24
Cash 71,900 +112,148 184,048
Investments 33,915 +254,016 287,931
Retirement acc 185,919 +268,268 454,187
Real estate 484,198 + 81,307 565,505
Other assets 46,455 + 16,752 63,207
Total assets 822,387 +732,491 1,554,878

Mortgage 381,357 -22,393 358,964
Other debt 168,776 -168,776 0
Total debt 550,133 -191,169 358,964

I am now 37.0% 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 926,166 FIRE target: USD 2,500,000


37.0%

FI portfolio

My FI portfolio now consists of USD 287,931 (31.1%) in investments, USD 454,187 (49.0%) in retirement accounts, and USD 184,048 (19.9%) in cash.

Investments

Since my last update, my investments increased with USD 34,110 (13.44%).

Since I started tracking, my total contributions have been USD 152,700, and my total return has been USD 220,425.

Retirement accounts

Since my last update, my retirement accounts increased with USD 11,952 (2.7%), of which USD 8,340 was from contributions , and USD 29,213 was from returns.

Since I started tracking, my total contributions have been USD 333,405, and my total return is USD 186,595.




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

If I quit working today, my monthly pay out would be USD 3,087 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
3,087/month
(4.0% SWR)
2,701/month
(3.5% SWR)
2,315/month
(3.0% SWR)


When can I retire?

FI date

March 2030

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 4 years and 9 months, in March 2030, and at that time I will be 43 years old.

By that time I will have invested/saved another USD 666,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 907,834


Financial independence forecast