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Net worth update per


This is unpo's #41 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 1,488,905 and my FI portfolio increased to USD 1,172,029


Net worth

USD 1,488,905

Since the last update on my net worth has increased with USD 32,229 (+ 2.21 %).

FI portfolio

USD 1,172,029

Since the last update on my FI portfolio has increased with USD 10,309 (+ 0.89 %).

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 138,757 -37,493 101,264
Investments 401,366 +9,604 410,970
Retirement acc 621,597 +38,198 659,795
Real estate 591,315 + 4,197 595,512
Other assets 54,503 + 16,976 71,479
Total assets 1,807,538 +31,482 1,839,020

Mortgage 350,862 -747 350,115
Other debt 0 0 0
Total debt 350,862 -747 350,115
Change
Cash 141,898 -40,634 101,264
Investments 409,579 +1,391 410,970
Retirement acc 627,359 +32,436 659,795
Real estate 592,722 + 2,790 595,512
Other assets 54,498 + 16,981 71,479
Total assets 1,826,056 +12,964 1,839,020

Mortgage 351,607 -1,492 350,115
Other debt 132 -132 0
Total debt 351,739 -1,624 350,115
Change
Cash 71,900 +29,364 101,264
Investments 33,915 +377,055 410,970
Retirement acc 185,919 +473,876 659,795
Real estate 484,198 + 111,314 595,512
Other assets 46,455 + 25,024 71,479
Total assets 822,387 +1,016,633 1,839,020

Mortgage 381,357 -31,242 350,115
Other debt 168,776 -168,776 0
Total debt 550,133 -200,018 350,115

I am now 46.9% on my way to achive my FIRE target of USD 2,500,000. This is 0.4 percentage points closer, compared to the last net worth update.

USD 1,172,029 FIRE target: USD 2,500,000


46.9%

FI portfolio

My FI portfolio now consists of USD 410,970 (35.1%) in investments, USD 659,795 (56.3%) in retirement accounts, and USD 101,264 (8.6%) in cash.

Investments

Since my last update, my investments increased with USD 9,604 (2.39%).

Since I started tracking, my total contributions have been USD 152,700, and my total return has been USD 200,511.

Retirement accounts

Since my last update, my retirement accounts increased with USD 38,198 (6.15%), of which USD 8,340 was from contributions , and USD -15,698 was from returns.

Since I started tracking, my total contributions have been USD 316,725, and my total return is USD 154,011.




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

If I quit working today, my monthly pay out would be USD 3,906 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
3,906/month
(4.0% SWR)
3,418/month
(3.5% SWR)
2,930/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 4 years and 6 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another USD 522,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 805,971


Financial independence forecast