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Net worth update per


This is brian's #54 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 320,399 and my FI portfolio decreased to USD 312,324


Net worth

USD 320,399

Since the last update on my net worth has decreased with USD -6,447 ( -1.97 %).

FI portfolio

USD 312,324

Since the last update on my FI portfolio has decreased with USD -3,289 ( -1.04 %).

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 24,910 +2,240 27,150
Investments 161,508 -3,650 157,858
Retirement acc 129,195 -1,879 127,316
Real estate 0 0 0
Other assets 16,500 0 16,500
Total assets 332,113 -3,289 328,824

Mortgage 0 0 0
Other debt 5,267 + 3,158 8,425
Total debt 5,267 + 3,158 8,425
Change
Cash 20,005 +7,145 27,150
Investments 135,530 +22,328 157,858
Retirement acc 111,891 +15,425 127,316
Real estate 0 0 0
Other assets 16,500 0 16,500
Total assets 283,926 +44,898 328,824

Mortgage 0 0 0
Other debt 7,135 + 1,290 8,425
Total debt 7,135 + 1,290 8,425
Change
Cash 2,552 +24,598 27,150
Investments 23,804 +134,054 157,858
Retirement acc 10,359 +116,957 127,316
Real estate 0 0 0
Other assets 20,000 -3,500 16,500
Total assets 56,715 +272,109 328,824

Mortgage 0 0 0
Other debt 18,127 -9,702 8,425
Total debt 18,127 -9,702 8,425

I am now 12.5% 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 312,324 FIRE target: USD 2,500,000


12.5%

FI portfolio

My FI portfolio now consists of USD 157,858 (50.5%) in investments, USD 127,316 (40.8%) in retirement accounts, and USD 27,150 (8.7%) in cash.

Investments

Since my last update, my investments decreased with USD -3,650 (-2.26%).

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 -1,879 (-1.45%), 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 1,041 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
1,041/month
(4.0% SWR)
910/month
(3.5% SWR)
780/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 16 years and 2 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another USD 621,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 1,566,676


Financial independence forecast