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Net worth update per


This is doitforher's #32 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 7,793,537 and my FI portfolio decreased to USD 1,860,243


Net worth

USD 7,793,537

Since the last update on my net worth has decreased with USD -3,661 ( -0.05 %).

FI portfolio

USD 1,860,243

Since the last update on my FI portfolio has decreased with USD -231,774 ( -11.08 %).

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 115,252 +14,471 129,723
Investments 693,479 -139,016 554,463
Retirement acc 1,283,286 -107,229 1,176,057
Real estate 10,560,007 + 229,339 10,789,346
Other assets 51,533 0 51,533
Total assets 12,703,557 -2,435 12,701,122

Mortgage 4,889,158 -6,534 4,882,624
Other debt 17,201 + 7,760 24,961
Total debt 4,906,359 + 1,226 4,907,585
Change
Cash 107,285 +22,438 129,723
Investments 744,203 -189,740 554,463
Retirement acc 1,328,021 -151,964 1,176,057
Real estate 10,619,102 + 170,244 10,789,346
Other assets 56,820 -5,287 51,533
Total assets 12,855,431 -154,309 12,701,122

Mortgage 4,911,890 -29,266 4,882,624
Other debt 26,638 -1,677 24,961
Total debt 4,938,528 -30,943 4,907,585
Change
Cash 71,000 +58,723 129,723
Investments 0 +554,463 554,463
Retirement acc 800,000 +376,057 1,176,057
Real estate 9,544,253 + 1,245,093 10,789,346
Other assets 60,000 -8,467 51,533
Total assets 10,475,253 +2,225,869 12,701,122

Mortgage 5,361,500 -478,876 4,882,624
Other debt 42,200 -17,239 24,961
Total debt 5,403,700 -496,115 4,907,585

I am now 18.6% on my way to achive my FIRE target of USD 10,000,000. This is -2.3 percentage points closer, compared to the last net worth update.

USD 1,860,243 FIRE target: USD 10,000,000


18.6%

FI portfolio

My FI portfolio now consists of USD 554,463 (29.8%) in investments, USD 1,176,057 (63.2%) in retirement accounts, and USD 129,723 (7.0%) in cash.

Investments

Since my last update, my investments decreased with USD -139,016 (-20.05%), of which USD 100,000 was from contributions, and USD 143,056 was from returns.

Since I started tracking, my total contributions have been USD 555,836, and my total return has been USD 241,683.

Retirement accounts

Since my last update, my retirement accounts decreased with USD -107,229 (-8.36%), of which USD 9,204 was from contributions , and USD 91,658 was from returns.

Since I started tracking, my total contributions have been USD 274,171, and my total return is USD 202,748.




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

If I quit working today, my monthly pay out would be USD 6,200 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
6,200/month
(4.0% SWR)
5,425/month
(3.5% SWR)
4,650/month
(3.0% SWR)


When can I retire?

FI date

My age

50

I am currently aiming to save/invest approximately USD 15,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 10,000,000 in 11 years and 10 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another USD 2,160,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 5,979,757


Financial independence forecast