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Net worth update per


This is thrilledIcecream9's #53 net worth update. Please check out my profile here for more information. As of , my net worth increased to INR 63,506,068 and my FI portfolio increased to INR 57,098,589


Net worth

INR 63,506,068

Since the last update on my net worth has increased with INR 4,799,172 (+ 8.17 %).

FI portfolio

INR 57,098,589

Since the last update on my FI portfolio has increased with INR 4,711,172 (+ 8.99 %).

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 631,819 -36,199 595,620
Investments 49,982,468 +4,747,371 54,729,839
Retirement acc 1,773,130 0 1,773,130
Real estate 9,251,846 0 9,251,846
Other assets 1,813,288 + 38,000 1,851,288
Total assets 63,452,551 +4,749,172 68,201,723

Mortgage 4,745,655 -50,000 4,695,655
Other debt 0 0 0
Total debt 4,745,655 -50,000 4,695,655
Change
Cash 672,607 -76,987 595,620
Investments 50,155,266 +4,574,573 54,729,839
Retirement acc 1,773,130 0 1,773,130
Real estate 9,251,846 0 9,251,846
Other assets 1,773,288 + 78,000 1,851,288
Total assets 63,626,137 +4,575,586 68,201,723

Mortgage 4,695,655 0 4,695,655
Other debt 0 0 0
Total debt 4,695,655 0 4,695,655
Change
Cash 400,000 +195,620 595,620
Investments 7,500,000 +47,229,839 54,729,839
Retirement acc 1,272,000 +501,130 1,773,130
Real estate 0 + 9,251,846 9,251,846
Other assets 772,421 + 1,078,867 1,851,288
Total assets 9,944,421 +58,257,302 68,201,723

Mortgage 0 4,695,655 4,695,655
Other debt 0 0 0
Total debt 0 + 4,695,655 4,695,655

I am now 95.2% on my way to achive my FIRE target of INR 60,000,000. This is 7.9 percentage points closer, compared to the last net worth update.

INR 57,098,589 FIRE target: INR 60,000,000


95.2%

FI portfolio

My FI portfolio now consists of INR 54,729,839 (95.9%) in investments, INR 1,773,130 (3.1%) in retirement accounts, and INR 595,620 (1.0%) in cash.

Investments

Since my last update, my investments increased with INR 4,747,371 (9.5%), of which INR 529,217 was from contributions, and INR -782,968 was from returns.

Since I started tracking, my total contributions have been INR 34,683,589, and my total return has been INR 14,292,671.

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 -1,313,260.




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

If I quit working today, my monthly pay out would be INR 190,328 for the rest of my life.


Monthly SWR amount
Retire today with (INR)
190,328/month
(4.0% SWR)
166,537/month
(3.5% SWR)
142,746/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 60,000,000 in 0 years and -11 months, in , and at that time I will be 32 years old.

By that time I will have invested/saved another INR 2,400,000, while the rest will be return on my existing FI portfolio and the new investments, in total INR 501,411


Financial independence forecast