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Net worth update per


This is unpo's #48 net worth update. Please check out my profile here for more information. As of , my net worth increased to USD 1,657,078 and my FI portfolio increased to USD 1,345,980


Net worth

USD 1,657,078

Since the last update on my net worth has increased with USD 31,797 (+ 1.96 %).

FI portfolio

USD 1,345,980

Since the last update on my FI portfolio has increased with USD 43,962 (+ 3.38 %).

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 106,734 +8,931 115,665
Investments 435,357 +10,305 445,662
Retirement acc 759,927 +24,726 784,653
Real estate 601,553 -9,291 592,262
Other assets 67,304 -3,634 63,670
Total assets 1,970,875 +31,037 2,001,912

Mortgage 345,594 -760 344,834
Other debt 0 0 0
Total debt 345,594 -760 344,834
Change
Cash 141,898 -26,233 115,665
Investments 409,579 +36,083 445,662
Retirement acc 627,359 +157,294 784,653
Real estate 592,722 -460 592,262
Other assets 54,498 + 9,172 63,670
Total assets 1,826,056 +175,856 2,001,912

Mortgage 351,607 -6,773 344,834
Other debt 132 -132 0
Total debt 351,739 -6,905 344,834
Change
Cash 71,900 +43,765 115,665
Investments 33,915 +411,747 445,662
Retirement acc 185,919 +598,734 784,653
Real estate 484,198 + 108,064 592,262
Other assets 46,455 + 17,215 63,670
Total assets 822,387 +1,179,525 2,001,912

Mortgage 381,357 -36,523 344,834
Other debt 168,776 -168,776 0
Total debt 550,133 -205,299 344,834

I am now 53.8% on my way to achive my FIRE target of USD 2,500,000. This is 1.8 percentage points closer, compared to the last net worth update.

USD 1,345,980 FIRE target: USD 2,500,000


53.8%

FI portfolio

My FI portfolio now consists of USD 445,662 (33.1%) in investments, USD 784,653 (58.3%) in retirement accounts, and USD 115,665 (8.6%) in cash.

Investments

Since my last update, my investments increased with USD 10,305 (2.37%), of which USD 1,000 was from contributions, and USD 9,305 was from returns.

Since I started tracking, my total contributions have been USD 153,700, and my total return has been USD 258,047.

Retirement accounts

Since my last update, my retirement accounts increased with USD 24,726 (3.25%), of which USD 5,334 was from contributions , and USD 19,392 was from returns.

Since I started tracking, my total contributions have been USD 355,919, and my total return is USD 242,815.




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

If I quit working today, my monthly pay out would be USD 4,486 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
4,486/month
(4.0% SWR)
3,925/month
(3.5% SWR)
3,364/month
(3.0% SWR)


When can I retire?

FI date

My age

43

I am currently aiming to save/invest approximately USD 9,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 2,500,000 in 4 years and 0 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another USD 441,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 713,020


Financial independence forecast