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Net worth update per February 3rd 2025


This is harpic's #16 net worth update. Please check out my profile here for more information. As of February 3rd 2025, my net worth increased to INR 8,746,000 and my FI portfolio increased to INR 8,746,000


Net worth

INR 8,746,000

Since the last update on January 2nd 2025 my net worth has increased with INR 25,000 (+ 0.29 %).

FI portfolio

INR 8,746,000

Since the last update on January 2nd 2025 my FI portfolio has increased with INR 25,000 (+ 0.29 %).

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 INR.
2 Jan 25 Change 3 Feb 25
Cash 250,000 +95,000 345,000
Investments 8,100,000 -70,000 8,030,000
Retirement acc 371,000 0 371,000
Real estate 0 0 0
Other assets 0 0 0
Total assets 8,721,000 +25,000 8,746,000

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
5 Dec 24 Change 3 Feb 25
Cash 240,000 +105,000 345,000
Investments 7,835,000 +195,000 8,030,000
Retirement acc 371,000 0 371,000
Real estate 0 0 0
Other assets 0 0 0
Total assets 8,446,000 +300,000 8,746,000

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
12 Oct 22 Change 3 Feb 25
Cash 610,000 -265,000 345,000
Investments 210,000 +7,820,000 8,030,000
Retirement acc 0 +371,000 371,000
Real estate 0 0 0
Other assets 0 0 0
Total assets 820,000 +7,926,000 8,746,000

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

I am now 4.4% on my way to achive my FIRE target of INR 200,000,000. This is 0.0 percentage points closer, compared to the last net worth update.

INR 8,746,000 FIRE target: INR 200,000,000


4.4%

FI portfolio

My FI portfolio now consists of INR 8,030,000 (91.8%) in investments, INR 371,000 (4.2%) in retirement accounts, and INR 345,000 (3.9%) in cash.

Investments

Since my last update, my investments decreased with INR -70,000 (-0.86%).

Since I started tracking, my total contributions have been INR 3,410,000, and my total return has been INR 4,410,000.

Retirement accounts

Since my last update, my retirement accounts decreased with INR 0 (0.0%).

Since I started tracking, my total contributions have been INR 409,447, and my total return is INR -38,447.




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

If I quit working today, my monthly pay out would be INR 29,153 for the rest of my life.


Monthly SWR amount
Retire today with (INR)
29,153/month
(4.0% SWR)
25,509/month
(3.5% SWR)
21,865/month
(3.0% SWR)


When can I retire?

FI date

January 2038

My age

38

I am currently aiming to save/invest approximately INR 300,000 each month.

Assuming an annual return of 15% on my investments and my retirement accounts, I aim to reach my FIRE target of INR 200,000,000 in 12 years and 7 months, in January 2038, and at that time I will be 38 years old.

By that time I will have invested/saved another INR 46,500,000, while the rest will be return on my existing FI portfolio and the new investments, in total INR 144,754,000


Financial independence forecast