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Net worth update per


This is brian's #28 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 188,619 and my FI portfolio decreased to USD 182,620


Net worth

USD 188,619

Since the last update on my net worth has decreased with USD -2,028 ( -1.06 %).

FI portfolio

USD 182,620

Since the last update on my FI portfolio has decreased with USD -1,525 ( -0.83 %).

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 12,929 +1,210 14,139
Investments 113,520 -1,324 112,196
Retirement acc 57,696 -1,411 56,285
Real estate 0 0 0
Other assets 17,500 -250 17,250
Total assets 201,645 -1,775 199,870

Mortgage 0 0 0
Other debt 10,998 + 253 11,251
Total debt 10,998 + 253 11,251
Change
Cash 8,001 +6,138 14,139
Investments 119,864 -7,668 112,196
Retirement acc 58,051 -1,766 56,285
Real estate 0 0 0
Other assets 17,750 -500 17,250
Total assets 203,666 -3,796 199,870

Mortgage 0 0 0
Other debt 11,375 -124 11,251
Total debt 11,375 -124 11,251
Change
Cash 2,552 +11,587 14,139
Investments 23,804 +88,392 112,196
Retirement acc 10,359 +45,926 56,285
Real estate 0 0 0
Other assets 20,000 -2,750 17,250
Total assets 56,715 +143,155 199,870

Mortgage 0 0 0
Other debt 18,127 -6,876 11,251
Total debt 18,127 -6,876 11,251

I am now 7.3% on my way to achive my FIRE target of USD 2,500,000. This is -0.1 percentage points closer, compared to the last net worth update.

USD 182,620 FIRE target: USD 2,500,000


7.3%

FI portfolio

My FI portfolio now consists of USD 112,196 (61.4%) in investments, USD 56,285 (30.8%) in retirement accounts, and USD 14,139 (7.7%) in cash.

Investments

Since my last update, my investments decreased with USD -1,324 (-1.17%).

Since I started tracking, my total contributions have been USD 69,500, and my total return has been USD 112,512.

Retirement accounts

Since my last update, my retirement accounts decreased with USD -1,411 (-2.45%), of which USD 3,435 was from contributions , and USD 4,643 was from returns.

Since I started tracking, my total contributions have been USD 98,114, and my total return is USD 68,547.




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

If I quit working today, my monthly pay out would be USD 608 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
608/month
(4.0% SWR)
532/month
(3.5% SWR)
456/month
(3.0% SWR)


When can I retire?

FI date

My age

46

I am currently aiming to save/invest approximately USD 3,000 each month.

Assuming an annual return of 8% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 2,500,000 in 15 years and 9 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another USD 702,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 1,615,380


Financial independence forecast