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Net worth update per


This is VW1's #23 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 963,800 and my FI portfolio decreased to USD 781,641


Net worth

USD 963,800

Since the last update on my net worth has decreased with USD -12,061 ( -1.24 %).

FI portfolio

USD 781,641

Since the last update on my FI portfolio has decreased with USD -13,271 ( -1.67 %).

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 501 -73 428
Investments 61,299 -979 60,320
Retirement acc 733,112 -12,219 720,893
Real estate 420,000 0 420,000
Other assets 20,949 + 1,210 22,159
Total assets 1,235,861 -12,061 1,223,800

Mortgage 260,000 0 260,000
Other debt 0 0 0
Total debt 260,000 0 260,000
Change
Cash 559 -131 428
Investments 61,763 -1,443 60,320
Retirement acc 736,099 -15,206 720,893
Real estate 420,000 0 420,000
Other assets 21,841 + 318 22,159
Total assets 1,240,262 -16,462 1,223,800

Mortgage 260,000 0 260,000
Other debt 0 0 0
Total debt 260,000 0 260,000
Change
Cash 0 +428 428
Investments 29,170 +31,150 60,320
Retirement acc 464,854 +256,039 720,893
Real estate 420,000 0 420,000
Other assets 0 + 22,159 22,159
Total assets 914,024 +309,776 1,223,800

Mortgage 260,000 0 260,000
Other debt 0 0 0
Total debt 260,000 0 260,000

I am now 31.3% on my way to achive my FIRE target of USD 2,500,000. This is -0.5 percentage points closer, compared to the last net worth update.

USD 781,641 FIRE target: USD 2,500,000


31.3%

FI portfolio

My FI portfolio now consists of USD 60,320 (7.7%) in investments, USD 720,893 (92.2%) in retirement accounts, and USD 428 (0.1%) in cash.

Investments

Since my last update, my investments decreased with USD -979 (-1.6%).

Since I started tracking, my total contributions have been USD 7,250, and my total return has been USD 23,900.

Retirement accounts

Since my last update, my retirement accounts decreased with USD -12,219 (-1.67%).

Since I started tracking, my total contributions have been USD 13,006, and my total return is USD 243,033.




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

If I quit working today, my monthly pay out would be USD 2,605 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
2,605/month
(4.0% SWR)
2,279/month
(3.5% SWR)
1,954/month
(3.0% SWR)


When can I retire?

FI date

My age

52

I am currently aiming to save/invest approximately USD 2,700 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 9 years and 2 months, in , and at that time I will be 52 years old.

By that time I will have invested/saved another USD 305,100, while the rest will be return on my existing FI portfolio and the new investments, in total USD 1,413,259


Financial independence forecast