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Net worth update per


This is firewarden's #80 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 9,406,195 and my FI portfolio increased to USD 8,187,016


Net worth

USD 9,406,195

Since the last update on my net worth has increased with USD 106,490 (+ 1.15 %).

FI portfolio

USD 8,187,016

Since the last update on my FI portfolio has increased with USD 96,933 (+ 1.2 %).

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 713,304 +4,632 717,936
Investments 3,336,739 +15,238 3,351,977
Retirement acc 4,040,040 +77,063 4,117,103
Real estate 3,200,000 0 3,200,000
Other assets 25,000 0 25,000
Total assets 11,315,083 +96,933 11,412,016

Mortgage 2,015,378 -9,557 2,005,821
Other debt 0 0 0
Total debt 2,015,378 -9,557 2,005,821
Change
Cash 656,325 +61,611 717,936
Investments 3,117,010 +234,967 3,351,977
Retirement acc 3,855,414 +261,689 4,117,103
Real estate 3,200,000 0 3,200,000
Other assets 25,000 0 25,000
Total assets 10,853,749 +558,267 11,412,016

Mortgage 2,037,632 -31,811 2,005,821
Other debt 0 0 0
Total debt 2,037,632 -31,811 2,005,821
Change
Cash 388,818 +329,118 717,936
Investments 0 +3,351,977 3,351,977
Retirement acc 627,250 +3,489,853 4,117,103
Real estate 3,050,000 + 150,000 3,200,000
Other assets 0 + 25,000 25,000
Total assets 4,066,068 +7,345,948 11,412,016

Mortgage 849,997 1,155,824 2,005,821
Other debt 0 0 0
Total debt 849,997 + 1,155,824 2,005,821

I am now 62.0% on my way to achive my FIRE target of USD 13,200,000. This is 0.7 percentage points closer, compared to the last net worth update.

USD 8,187,016 FIRE target: USD 13,200,000


62.0%

FI portfolio

My FI portfolio now consists of USD 3,351,977 (40.9%) in investments, USD 4,117,103 (50.3%) in retirement accounts, and USD 717,936 (8.8%) in cash.

Investments

Since my last update, my investments increased with USD 15,238 (0.46%).

Since I started tracking, my total contributions have been USD 3,050,749, and my total return has been USD 726,089.

Retirement accounts

Since my last update, my retirement accounts increased with USD 77,063 (1.91%), of which USD 2,021 was from contributions , and USD -115,800 was from returns.

Since I started tracking, my total contributions have been USD 2,522,592, and my total return is USD 1,228,320.




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

If I quit working today, my monthly pay out would be USD 27,290 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
27,290/month
(4.0% SWR)
23,878/month
(3.5% SWR)
20,467/month
(3.0% SWR)


When can I retire?

FI date

My age

42

I am currently aiming to save/invest approximately USD 40,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 13,200,000 in 3 years and 8 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another USD 2,240,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 2,772,984


Financial independence forecast