- The blue line is the market value of my index funds: $191,461
- The orange line is the investment value of my index funds: $173,812
Because my brokerage account is in NOK and not in US Dollars, the numbers fluctuate a lot every month because of currency changes.
As you can see on the screenshot below, my portfolio was up + 1,50 % (aprox. $2,608).
Below you can also see the funds that I’m invested in.
In total my portfolio is exposed aprox. 70 % to MSCI World and 30 % to MSCI Emerging Markets.

Since the beginning of my index investing journey (january 2018), my portfolio is up 12,44 %.
My volatility for the portfolio is aprox. 11,1 % for the last 12 months.
If I were to quit investing today (which I obviously wont), I would have earned $17,649 (160,525 NOK).
Income, Expenses And How Much I Can Withdraw According To The 4%-rule

- The figure above shows the connection between my income (orange), expenses (blue) and monthly FI money according to the 4% rule
- As a result I will become financial independent when the blue and red line crosses each other.
- If I quit my job today and never took a paid job again - my monthly FI money would pay out $638,2 every month for the rest of my life
It’s motivating to see that I can safely withdraw $638,2 every month for the rest of my life.
I will do everything I can to raise this dollar amount in the future.
As you all know my goal is to save up 600.000 USD.
This means my monthly FI money goal is $2,000 USD each month. I’m aprox. 1/3 to my goal and it feels great!
Recently I wrote a detailed post on how I will reach a 600.000 $ net worth in only 5 years.
Portfolio results for september 2019
My portfolio was up +1,50 % in september 2019.

- Averarage expenses in 2019 so far: $1684,2
- In 2018 my average expenses was: $1701
- Average income in 2019 so far: $5080
- In 2018 my average income was: $4313
- Monthly FI money as of september 2019: $638,2
Mortgage
We own an apartment 50/50 that has a total value of $515,000. That means my share is $257,500.
While this sounds good, my share of the mortgage is $230,004.
The interest rate on the mortgage is 2,35 %.
Pension
My current pension is 47.727 $.
I recently found out that I had a pension plan in a job I had as a teenager as well. Pension is a really iliquid asset class, because I can't withdraw the amount before I'm 62 years old.
Student loan
After nine years with different studies I got $52,133 in student loans.
In Norway the university has no fees, so this is a loan covering basic living expenses while you're at the studies.
The interest rate is 2.24 %.
I'm not paying anything on this loan at the moment.
Total Net Worth
- Index Funds: $191,461
- Mortgage: $27,496
- Pension: $47,727
- Student Loan: $-52,133

I made this 16-pages FREE workbook with the steps I’ve taken on my path to Financial Independence.
Having a goal written down with a set date for accomplishment gives you something to plan and work for.
It’s 7 lessons and I hope you enjoy it!
After you’ve signed up, you will recieve the book right away.
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Nice update, but I have a question, How did you manage to reduce so much your expenses in September?
Hey, Rob.
I didn’t have to pay on my mortgage this month. I’m excpecting way higher expenses this month 😉
Love the updates! keep up the hard work.
Also, love the twitter account. Very motivating!!
-Chris
Money Savvy Mindset
Thank you, Chris!! 😀
I am so happy to see the results you are getting. The savings rate also allow you to invest big percentages of your income. Such a nice cocktail ?
Thank you 😀