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Net worth update per


This is unpo's #37 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 1,415,830 and my FI portfolio increased to USD 1,128,021


Net worth

USD 1,415,830

Since the last update on my net worth has increased with USD 15,701 (+ 1.12 %).

FI portfolio

USD 1,128,021

Since the last update on my FI portfolio has increased with USD 27,966 (+ 2.54 %).

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 132,916 +544 133,460
Investments 384,782 +7,894 392,676
Retirement acc 582,357 +19,528 601,885
Real estate 599,419 -13,038 586,381
Other assets 55,231 -167 55,064
Total assets 1,754,705 +14,761 1,769,466

Mortgage 353,833 -740 353,093
Other debt 743 -200 543
Total debt 354,576 -940 353,636
Change
Cash 211,702 -78,242 133,460
Investments 253,821 +138,855 392,676
Retirement acc 442,235 +159,650 601,885
Real estate 557,150 + 29,231 586,381
Other assets 64,372 -9,308 55,064
Total assets 1,529,280 +240,186 1,769,466

Mortgage 359,690 -6,597 353,093
Other debt 0 + 543 543
Total debt 359,690 + -6,054 353,636
Change
Cash 71,900 +61,560 133,460
Investments 33,915 +358,761 392,676
Retirement acc 185,919 +415,966 601,885
Real estate 484,198 + 102,183 586,381
Other assets 46,455 + 8,609 55,064
Total assets 822,387 +947,079 1,769,466

Mortgage 381,357 -28,264 353,093
Other debt 168,776 -168,233 543
Total debt 550,133 -196,497 353,636

I am now 45.1% on my way to achive my FIRE target of USD 2,500,000. This is 1.1 percentage points closer, compared to the last net worth update.

USD 1,128,021 FIRE target: USD 2,500,000


45.1%

FI portfolio

My FI portfolio now consists of USD 392,676 (34.8%) in investments, USD 601,885 (53.4%) in retirement accounts, and USD 133,460 (11.8%) in cash.

Investments

Since my last update, my investments increased with USD 7,894 (2.05%).

Since I started tracking, my total contributions have been USD 152,200, and my total return has been USD 206,561.

Retirement accounts

Since my last update, my retirement accounts increased with USD 19,528 (3.35%), of which USD 7,622 was from contributions , and USD 11,906 was from returns.

Since I started tracking, my total contributions have been USD 254,721, and my total return is USD 161,245.




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

If I quit working today, my monthly pay out would be USD 3,760 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
3,760/month
(4.0% SWR)
3,290/month
(3.5% SWR)
2,820/month
(3.0% SWR)


When can I retire?

FI date

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 5 years and 0 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another USD 549,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 822,979


Financial independence forecast