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This is doitforher's #34 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 8,394,515 and my FI portfolio increased to USD 2,308,936


Net worth

USD 8,394,515

Since the last update on my net worth has increased with USD 418,872 (+ 5.25 %).

FI portfolio

USD 2,308,936

Since the last update on my FI portfolio has increased with USD 124,516 (+ 5.7 %).

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 109,982 -1,877 108,105
Investments 797,519 +46,747 844,266
Retirement acc 1,276,919 +79,646 1,356,565
Real estate 10,640,411 + 283,346 10,923,757
Other assets 51,533 0 51,533
Total assets 12,876,364 +407,862 13,284,226

Mortgage 4,875,376 -6,595 4,868,781
Other debt 25,345 -4,415 20,930
Total debt 4,900,721 -11,010 4,889,711
Change
Cash 107,285 +820 108,105
Investments 744,203 +100,063 844,266
Retirement acc 1,328,021 +28,544 1,356,565
Real estate 10,619,102 + 304,655 10,923,757
Other assets 56,820 -5,287 51,533
Total assets 12,855,431 +428,795 13,284,226

Mortgage 4,911,890 -43,109 4,868,781
Other debt 26,638 -5,708 20,930
Total debt 4,938,528 -48,817 4,889,711
Change
Cash 71,000 +37,105 108,105
Investments 0 +844,266 844,266
Retirement acc 800,000 +556,565 1,356,565
Real estate 9,544,253 + 1,379,504 10,923,757
Other assets 60,000 -8,467 51,533
Total assets 10,475,253 +2,808,973 13,284,226

Mortgage 5,361,500 -492,719 4,868,781
Other debt 42,200 -21,270 20,930
Total debt 5,403,700 -513,989 4,889,711

I am now 23.1% on my way to achive my FIRE target of USD 10,000,000. This is 1.2 percentage points closer, compared to the last net worth update.

USD 2,308,936 FIRE target: USD 10,000,000


23.1%

FI portfolio

My FI portfolio now consists of USD 844,266 (36.6%) in investments, USD 1,356,565 (58.8%) in retirement accounts, and USD 108,105 (4.7%) in cash.

Investments

Since my last update, my investments increased with USD 46,747 (5.86%), of which USD 24,619 was from contributions, and USD 22,128 was from returns.

Since I started tracking, my total contributions have been USD 580,455, and my total return has been USD 263,811.

Retirement accounts

Since my last update, my retirement accounts increased with USD 79,646 (6.24%), of which USD 7,834 was from contributions , and USD 71,812 was from returns.

Since I started tracking, my total contributions have been USD 282,005, and my total return is USD 274,560.




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

If I quit working today, my monthly pay out would be USD 7,696 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
7,696/month
(4.0% SWR)
6,734/month
(3.5% SWR)
5,772/month
(3.0% SWR)


When can I retire?

FI date

My age

49

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 10 years and 8 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another USD 1,935,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 5,756,064


Financial independence forecast