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This is doitforher's #27 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 7,872,191 and my FI portfolio increased to USD 1,939,390


Net worth

USD 7,872,191

Since the last update on my net worth has increased with USD 56,384 (+ 0.72 %).

FI portfolio

USD 1,939,390

Since the last update on my FI portfolio has increased with USD 97,927 (+ 5.32 %).

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 120,285 -822 119,463
Investments 445,013 +113,523 558,536
Retirement acc 1,276,165 -14,774 1,261,391
Real estate 10,870,966 -51,533 10,819,433
Other assets 56,820 0 56,820
Total assets 12,769,249 +46,394 12,815,643

Mortgage 4,930,527 -9,086 4,921,441
Other debt 22,915 -904 22,011
Total debt 4,953,442 -9,990 4,943,452
Change
Cash 181,730 -62,267 119,463
Investments 137,388 +421,148 558,536
Retirement acc 947,908 +313,483 1,261,391
Real estate 10,952,149 -132,716 10,819,433
Other assets 56,820 0 56,820
Total assets 12,275,995 +539,648 12,815,643

Mortgage 5,023,073 -101,632 4,921,441
Other debt 27,264 -5,253 22,011
Total debt 5,050,337 -106,885 4,943,452
Change
Cash 71,000 +48,463 119,463
Investments 0 +558,536 558,536
Retirement acc 800,000 +461,391 1,261,391
Real estate 9,544,253 + 1,275,180 10,819,433
Other assets 60,000 -3,180 56,820
Total assets 10,475,253 +2,340,390 12,815,643

Mortgage 5,361,500 -440,059 4,921,441
Other debt 42,200 -20,189 22,011
Total debt 5,403,700 -460,248 4,943,452

I am now 19.4% on my way to achive my FIRE target of USD 10,000,000. This is 1.0 percentage points closer, compared to the last net worth update.

USD 1,939,390 FIRE target: USD 10,000,000


19.4%

FI portfolio

My FI portfolio now consists of USD 558,536 (28.8%) in investments, USD 1,261,391 (65.0%) in retirement accounts, and USD 119,463 (6.2%) in cash.

Investments

Since my last update, my investments increased with USD 113,523 (25.51%), of which USD 20,000 was from contributions, and USD 165,667 was from returns.

Since I started tracking, my total contributions have been USD 448,836, and my total return has been USD 295,367.

Retirement accounts

Since my last update, my retirement accounts decreased with USD -14,774 (-1.16%).

Since I started tracking, my total contributions have been USD 241,989, and my total return is USD 286,032.




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

If I quit working today, my monthly pay out would be USD 6,464 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
6,464/month
(4.0% SWR)
5,656/month
(3.5% SWR)
4,848/month
(3.0% SWR)


When can I retire?

FI date

My age

49

I am currently aiming to save/invest approximately USD 15,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 10,000,000 in 11 years and 7 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another USD 2,115,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 5,945,610


Financial independence forecast