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Net worth update per


This is firewarden's #83 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 9,926,477 and my FI portfolio increased to USD 8,692,322


Net worth

USD 9,926,477

Since the last update on my net worth has increased with USD 197,095 (+ 2.03 %).

FI portfolio

USD 8,692,322

Since the last update on my FI portfolio has increased with USD 192,085 (+ 2.26 %).

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 798,014 +161,459 959,473
Investments 3,517,018 -37,343 3,479,675
Retirement acc 4,185,205 +67,969 4,253,174
Real estate 3,200,000 0 3,200,000
Other assets 25,000 0 25,000
Total assets 11,725,237 +192,085 11,917,322

Mortgage 1,995,855 -5,010 1,990,845
Other debt 0 0 0
Total debt 1,995,855 -5,010 1,990,845
Change
Cash 656,325 +303,148 959,473
Investments 3,117,010 +362,665 3,479,675
Retirement acc 3,855,414 +397,760 4,253,174
Real estate 3,200,000 0 3,200,000
Other assets 25,000 0 25,000
Total assets 10,853,749 +1,063,573 11,917,322

Mortgage 2,037,632 -46,787 1,990,845
Other debt 0 0 0
Total debt 2,037,632 -46,787 1,990,845
Change
Cash 388,818 +570,655 959,473
Investments 0 +3,479,675 3,479,675
Retirement acc 627,250 +3,625,924 4,253,174
Real estate 3,050,000 + 150,000 3,200,000
Other assets 0 + 25,000 25,000
Total assets 4,066,068 +7,851,254 11,917,322

Mortgage 849,997 1,140,848 1,990,845
Other debt 0 0 0
Total debt 849,997 + 1,140,848 1,990,845

I am now 65.9% on my way to achive my FIRE target of USD 13,200,000. This is 1.5 percentage points closer, compared to the last net worth update.

USD 8,692,322 FIRE target: USD 13,200,000


65.9%

FI portfolio

My FI portfolio now consists of USD 3,479,675 (40.0%) in investments, USD 4,253,174 (48.9%) in retirement accounts, and USD 959,473 (11.0%) in cash.

Investments

Since my last update, my investments decreased with USD -37,343 (-1.06%).

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 67,969 (1.62%), 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 28,974 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
28,974/month
(4.0% SWR)
25,352/month
(3.5% SWR)
21,730/month
(3.0% SWR)


When can I retire?

FI date

My age

41

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 5 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another USD 2,000,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 2,507,678


Financial independence forecast