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Net worth update per April 1st 2025


This is grodt's #26 net worth update. Please check out my profile here for more information. As of April 1st 2025, my net worth decreased to NOK 8,601,000 and my FI portfolio decreased to NOK 6,281,000


Net worth

NOK 8,601,000

Since the last update on March 1st 2025 my net worth has decreased with NOK -423,623 ( -4.69 %).

FI portfolio

NOK 6,281,000

Since the last update on March 1st 2025 my FI portfolio has decreased with NOK -425,623 ( -6.35 %).

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 Mar 25 Change 1 Apr 25
Cash 690,541 +2,459 693,000
Investments 4,772,347 -320,347 4,452,000
Retirement acc 1,243,735 -107,735 1,136,000
Real estate 3,385,000 0 3,385,000
Other assets 0 0 0
Total assets 10,091,623 -425,623 9,666,000

Mortgage 1,067,000 -2,000 1,065,000
Other debt 0 0 0
Total debt 1,067,000 -2,000 1,065,000
1 Dec 24 Change 1 Apr 25
Cash 683,000 +10,000 693,000
Investments 4,661,453 -209,453 4,452,000
Retirement acc 1,188,843 -52,843 1,136,000
Real estate 3,400,000 -15,000 3,385,000
Other assets 0 0 0
Total assets 9,933,296 -267,296 9,666,000

Mortgage 1,079,000 -14,000 1,065,000
Other debt 0 0 0
Total debt 1,079,000 -14,000 1,065,000
23 Feb 23 Change 1 Apr 25
Cash 50,000 +643,000 693,000
Investments 3,150,000 +1,302,000 4,452,000
Retirement acc 0 +1,136,000 1,136,000
Real estate 3,150,000 + 235,000 3,385,000
Other assets 0 0 0
Total assets 6,350,000 +3,316,000 9,666,000

Mortgage 1,150,000 -85,000 1,065,000
Other debt 230,000 -230,000 0
Total debt 1,380,000 -315,000 1,065,000

I am now 52.3% on my way to achive my FIRE target of NOK 12,000,000. This is -3.5 percentage points closer, compared to the last net worth update.

NOK 6,281,000 FIRE target: NOK 12,000,000


52.3%

FI portfolio

My FI portfolio now consists of NOK 4,452,000 (70.9%) in investments, NOK 1,136,000 (18.1%) in retirement accounts, and NOK 693,000 (11.0%) in cash.

Investments

Since my last update, my investments decreased with NOK -320,347 (-6.71%), of which NOK 25,000 was from contributions, and NOK 124,000 was from returns.

Since I started tracking, my total contributions have been NOK 610,500, and my total return has been NOK 888,500.

Retirement accounts

Since my last update, my retirement accounts decreased with NOK -107,735 (-8.66%), of which NOK 9,000 was from contributions , and NOK 61,000 was from returns.

Since I started tracking, my total contributions have been NOK 210,246, and my total return is NOK 989,754.




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

If I quit working today, my monthly pay out would be NOK 20,936 for the rest of my life.


Monthly SWR amount
Retire today with (NOK)
20,936/month
(4.0% SWR)
18,319/month
(3.5% SWR)
15,702/month
(3.0% SWR)


When can I retire?

FI date

August 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 5 years and 1 months, in August 2030, and at that time I will be 50 years old.

By that time I will have invested/saved another NOK 2,176,000, while the rest will be return on my existing FI portfolio and the new investments, in total NOK 3,543,000


Financial independence forecast