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Net worth update per


This is doitforher's #37 net worth update. Please check out my profile here for more information. As of , my net worth decreased to USD 8,509,731 and my FI portfolio increased to USD 2,998,370


Net worth

USD 8,509,731

Since the last update on my net worth has decreased with USD -90,763 ( -1.06 %).

FI portfolio

USD 2,998,370

Since the last update on my FI portfolio has increased with USD 209,412 (+ 7.51 %).

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 208,664 -62,404 146,260
Investments 1,166,541 +207,437 1,373,978
Retirement acc 1,413,753 +64,379 1,478,132
Real estate 10,629,264 -308,231 10,321,033
Other assets 51,533 0 51,533
Total assets 13,469,755 -98,819 13,370,936

Mortgage 4,854,819 -6,683 4,848,136
Other debt 14,442 -1,373 13,069
Total debt 4,869,261 -8,056 4,861,205
Change
Cash 107,285 +38,975 146,260
Investments 744,203 +629,775 1,373,978
Retirement acc 1,328,021 +150,111 1,478,132
Real estate 10,619,102 -298,069 10,321,033
Other assets 56,820 -5,287 51,533
Total assets 12,855,431 +515,505 13,370,936

Mortgage 4,911,890 -63,754 4,848,136
Other debt 26,638 -13,569 13,069
Total debt 4,938,528 -77,323 4,861,205
Change
Cash 71,000 +75,260 146,260
Investments 0 +1,373,978 1,373,978
Retirement acc 800,000 +678,132 1,478,132
Real estate 9,544,253 + 776,780 10,321,033
Other assets 60,000 -8,467 51,533
Total assets 10,475,253 +2,895,683 13,370,936

Mortgage 5,361,500 -513,364 4,848,136
Other debt 42,200 -29,131 13,069
Total debt 5,403,700 -542,495 4,861,205

I am now 30.0% on my way to achive my FIRE target of USD 10,000,000. This is 2.1 percentage points closer, compared to the last net worth update.

USD 2,998,370 FIRE target: USD 10,000,000


30.0%

FI portfolio

My FI portfolio now consists of USD 1,373,978 (45.8%) in investments, USD 1,478,132 (49.3%) in retirement accounts, and USD 146,260 (4.9%) in cash.

Investments

Since my last update, my investments increased with USD 207,437 (17.78%), of which USD 75,000 was from contributions, and USD 132,437 was from returns.

Since I started tracking, my total contributions have been USD 706,455, and my total return has been USD 667,523.

Retirement accounts

Since my last update, my retirement accounts increased with USD 64,379 (4.55%).

Since I started tracking, my total contributions have been USD 282,005, and my total return is USD 396,127.




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

If I quit working today, my monthly pay out would be USD 9,994 for the rest of my life.


Monthly SWR amount
Retire today with (USD)
9,994/month
(4.0% SWR)
8,745/month
(3.5% SWR)
7,495/month
(3.0% SWR)


When can I retire?

FI date

My age

46

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

Assuming an annual return of 8% on my investments and my retirement accounts, I aim to reach my FIRE target of USD 10,000,000 in 7 years and 3 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another USD 3,520,000, while the rest will be return on my existing FI portfolio and the new investments, in total USD 3,481,630


Financial independence forecast