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Net worth update per


This is firewarden's #92 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 10,933,638 and my FI portfolio increased to USD 9,634,582


Net worth

USD 10,933,638

Since the last update on my net worth has increased with USD 491,026 (+ 4.7 %).

FI portfolio

USD 9,634,582

Since the last update on my FI portfolio has increased with USD 475,458 (+ 5.19 %).

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 960,239 -25,344 934,895
Investments 3,865,305 +254,296 4,119,601
Retirement acc 4,333,580 +246,506 4,580,086
Real estate 3,200,000 0 3,200,000
Other assets 25,000 0 25,000
Total assets 12,384,124 +475,458 12,859,582

Mortgage 1,941,512 -15,568 1,925,944
Other debt 0 0 0
Total debt 1,941,512 -15,568 1,925,944
Change
Cash 829,111 +105,784 934,895
Investments 3,917,407 +202,194 4,119,601
Retirement acc 4,453,200 +126,886 4,580,086
Real estate 3,200,000 0 3,200,000
Other assets 25,000 0 25,000
Total assets 12,424,718 +434,864 12,859,582

Mortgage 1,966,737 -40,793 1,925,944
Other debt 0 0 0
Total debt 1,966,737 -40,793 1,925,944
Change
Cash 388,818 +546,077 934,895
Investments 0 +4,119,601 4,119,601
Retirement acc 627,250 +3,952,836 4,580,086
Real estate 3,050,000 + 150,000 3,200,000
Other assets 0 + 25,000 25,000
Total assets 4,066,068 +8,793,514 12,859,582

Mortgage 849,997 1,075,947 1,925,944
Other debt 0 0 0
Total debt 849,997 + 1,075,947 1,925,944

I am now 73.0% on my way to achive my FIRE target of USD 13,200,000. This is 3.6 percentage points closer, compared to the last net worth update.

USD 9,634,582 FIRE target: USD 13,200,000


73.0%

FI portfolio

My FI portfolio now consists of USD 4,119,601 (42.8%) in investments, USD 4,580,086 (47.5%) in retirement accounts, and USD 934,895 (9.7%) in cash.

Investments

Since my last update, my investments increased with USD 254,296 (6.58%), of which USD 47,870 was from contributions, and USD 97,014 was from returns.

Since I started tracking, my total contributions have been USD 3,301,422, and my total return has been USD 1,066,157.

Retirement accounts

Since my last update, my retirement accounts increased with USD 246,506 (5.69%), of which USD 2,089 was from contributions , and USD 103,314 was from returns.

Since I started tracking, my total contributions have been USD 2,565,055, and my total return is USD 1,570,840.




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

If I quit working today, my monthly pay out would be USD 32,115 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
32,115/month
(4.0% SWR)
28,100/month
(3.5% SWR)
24,086/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 0 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another USD 1,560,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 2,005,418


Financial independence forecast