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Net worth update per


This is firewarden's #86 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 10,401,056 and my FI portfolio increased to USD 9,149,084


Net worth

USD 10,401,056

Since the last update on my net worth has increased with USD 189,830 (+ 1.86 %).

FI portfolio

USD 9,149,084

Since the last update on my FI portfolio has increased with USD 183,962 (+ 2.05 %).

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 855,713 -74,388 781,325
Investments 3,749,449 +141,047 3,890,496
Retirement acc 4,359,960 +117,303 4,477,263
Real estate 3,200,000 0 3,200,000
Other assets 25,000 0 25,000
Total assets 12,190,122 +183,962 12,374,084

Mortgage 1,978,896 -5,868 1,973,028
Other debt 0 0 0
Total debt 1,978,896 -5,868 1,973,028
Change
Cash 656,325 +125,000 781,325
Investments 3,117,010 +773,486 3,890,496
Retirement acc 3,855,414 +621,849 4,477,263
Real estate 3,200,000 0 3,200,000
Other assets 25,000 0 25,000
Total assets 10,853,749 +1,520,335 12,374,084

Mortgage 2,037,632 -64,604 1,973,028
Other debt 0 0 0
Total debt 2,037,632 -64,604 1,973,028
Change
Cash 388,818 +392,507 781,325
Investments 0 +3,890,496 3,890,496
Retirement acc 627,250 +3,850,013 4,477,263
Real estate 3,050,000 + 150,000 3,200,000
Other assets 0 + 25,000 25,000
Total assets 4,066,068 +8,308,016 12,374,084

Mortgage 849,997 1,123,031 1,973,028
Other debt 0 0 0
Total debt 849,997 + 1,123,031 1,973,028

I am now 69.3% on my way to achive my FIRE target of USD 13,200,000. This is 1.4 percentage points closer, compared to the last net worth update.

USD 9,149,084 FIRE target: USD 13,200,000


69.3%

FI portfolio

My FI portfolio now consists of USD 3,890,496 (42.5%) in investments, USD 4,477,263 (48.9%) in retirement accounts, and USD 781,325 (8.5%) in cash.

Investments

Since my last update, my investments increased with USD 141,047 (3.76%).

Since I started tracking, my total contributions have been USD 3,050,749, and my total return has been USD 726,089.

Retirement accounts

Since my last update, my retirement accounts increased with USD 117,303 (2.69%), of which USD 2,021 was from contributions , and USD -115,800 was from returns.

Since I started tracking, my total contributions have been USD 2,522,592, and my total return is USD 1,228,320.




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

If I quit working today, my monthly pay out would be USD 30,496 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
30,496/month
(4.0% SWR)
26,684/month
(3.5% SWR)
22,872/month
(3.0% SWR)


When can I retire?

FI date

My age

41

I am currently aiming to save/invest approximately USD 40,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 13,200,000 in 3 years and 2 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another USD 1,760,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 2,290,916


Financial independence forecast