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Net worth update per March 1st 2025


This is grodt's #25 net worth update. Please check out my profile here for more information. As of March 1st 2025, my net worth decreased to NOK 9,024,623 and my FI portfolio decreased to NOK 6,706,623


Net worth

NOK 9,024,623

Since the last update on February 1st 2025 my net worth has decreased with NOK -56,377 ( -0.62 %).

FI portfolio

NOK 6,706,623

Since the last update on February 1st 2025 my FI portfolio has decreased with NOK -149,377 ( -2.18 %).

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 NOK.
1 Feb 25 Change 1 Mar 25
Cash 688,000 +2,541 690,541
Investments 4,910,000 -137,653 4,772,347
Retirement acc 1,258,000 -14,265 1,243,735
Real estate 3,300,000 + 85,000 3,385,000
Other assets 0 0 0
Total assets 10,156,000 -64,377 10,091,623

Mortgage 1,075,000 -8,000 1,067,000
Other debt 0 0 0
Total debt 1,075,000 -8,000 1,067,000
1 Dec 24 Change 1 Mar 25
Cash 683,000 +7,541 690,541
Investments 4,661,453 +110,894 4,772,347
Retirement acc 1,188,843 +54,892 1,243,735
Real estate 3,400,000 -15,000 3,385,000
Other assets 0 0 0
Total assets 9,933,296 +158,327 10,091,623

Mortgage 1,079,000 -12,000 1,067,000
Other debt 0 0 0
Total debt 1,079,000 -12,000 1,067,000
23 Feb 23 Change 1 Mar 25
Cash 50,000 +640,541 690,541
Investments 3,150,000 +1,622,347 4,772,347
Retirement acc 0 +1,243,735 1,243,735
Real estate 3,150,000 + 235,000 3,385,000
Other assets 0 0 0
Total assets 6,350,000 +3,741,623 10,091,623

Mortgage 1,150,000 -83,000 1,067,000
Other debt 230,000 -230,000 0
Total debt 1,380,000 -313,000 1,067,000

I am now 55.9% on my way to achive my FIRE target of NOK 12,000,000. This is -1.2 percentage points closer, compared to the last net worth update.

NOK 6,706,623 FIRE target: NOK 12,000,000


55.9%

FI portfolio

My FI portfolio now consists of NOK 4,772,347 (71.2%) in investments, NOK 1,243,735 (18.5%) in retirement accounts, and NOK 690,541 (10.3%) in cash.

Investments

Since my last update, my investments decreased with NOK -137,653 (-2.8%), of which NOK 25,000 was from contributions, and NOK 23,000 was from returns.

Since I started tracking, my total contributions have been NOK 585,500, and my total return has been NOK 764,500.

Retirement accounts

Since my last update, my retirement accounts decreased with NOK -14,265 (-1.13%), of which NOK 9,000 was from contributions , and NOK -15,000 was from returns.

Since I started tracking, my total contributions have been NOK 201,246, and my total return is NOK 928,754.




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

If I quit working today, my monthly pay out would be NOK 22,355 for the rest of my life.


Monthly SWR amount
Retire today with (NOK)
22,355/month
(4.0% SWR)
19,560/month
(3.5% SWR)
16,766/month
(3.0% SWR)


When can I retire?

FI date

January 2030

My age

50

I am currently aiming to save/invest approximately NOK 34,000 each month.

Assuming an annual return of 8% on my investments and my retirement accounts, I aim to reach my FIRE target of NOK 12,000,000 in 4 years and 7 months, in January 2030, and at that time I will be 50 years old.

By that time I will have invested/saved another NOK 1,972,000, while the rest will be return on my existing FI portfolio and the new investments, in total NOK 3,321,377


Financial independence forecast