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Net worth update per November 19th 2024


This is Falco's #555 net worth update. Please check out my profile here for more information. As of November 19th 2024, my net worth increased to USD 389,052 and my FI portfolio increased to USD 389,052


Net worth

USD 389,052

Since the last update on November 16th 2024 my net worth has increased with USD 3,510 (+ 0.91 %).

FI portfolio

USD 389,052

Since the last update on November 16th 2024 my FI portfolio has increased with USD 3,510 (+ 0.91 %).

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.
16 Nov 24 Change 19 Nov 24
Cash 16,940 -19 16,921
Investments 93,860 +967 94,827
Retirement acc 274,742 +2,562 277,304
Real estate 0 0 0
Other assets 0 0 0
Total assets 385,542 +3,510 389,052

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
29 Dec 23 Change 19 Nov 24
Cash 15,017 +1,904 16,921
Investments 74,879 +19,948 94,827
Retirement acc 217,757 +59,547 277,304
Real estate 0 0 0
Other assets 0 0 0
Total assets 307,653 +81,399 389,052

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
17 Sep 20 Change 19 Nov 24
Cash 20,502 -3,581 16,921
Investments 22,774 +72,053 94,827
Retirement acc 141,441 +135,863 277,304
Real estate 0 0 0
Other assets 0 0 0
Total assets 184,717 +204,335 389,052

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 77.8% on my way to achive my FIRE target of USD 500,000. This is 0.7 percentage points closer, compared to the last net worth update.

USD 389,052 FIRE target: USD 500,000


77.8%

FI portfolio

My FI portfolio now consists of USD 94,827 (24.4%) in investments, USD 277,304 (71.3%) in retirement accounts, and USD 16,921 (4.3%) in cash.

Investments

Since my last update, my investments increased with USD 967 (1.03%), of which USD 100 was from contributions, and USD 179,298 was from returns.

Since I started tracking, my total contributions have been USD 54,093, and my total return has been USD 200,065.

Retirement accounts

Since my last update, my retirement accounts increased with USD 2,562 (0.93%), of which USD 134 was from contributions , and USD -187,258 was from returns.

Since I started tracking, my total contributions have been USD 27,367, and my total return is USD -73,224.




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

If I quit working today, my monthly pay out would be USD 1,296 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
1,296/month
(4.0% SWR)
1,134/month
(3.5% SWR)
972/month
(3.0% SWR)


When can I retire?

FI date

April 2027

My age

44

I am currently aiming to save/invest approximately USD 1,400 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 500,000 in 1 years and 10 months, in April 2027, and at that time I will be 44 years old.

By that time I will have invested/saved another USD 40,600, while the rest will be return on my existing FI portfolio and the new investments, in total USD 70,348


Financial independence forecast