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Net worth update per


This is lazy-soup's #2 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 100,700 and my FI portfolio decreased to EUR 49,800


Net worth

EUR 100,700

Since the last update on my net worth has increased with EUR 47,917 (+ 90.78 %).

FI portfolio

EUR 49,800

Since the last update on my FI portfolio has decreased with EUR -4,983 ( -9.1 %).

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 EUR.
Change
Cash 23,615 -3,615 20,000
Investments 17,320 +480 17,800
Retirement acc 13,848 -1,848 12,000
Real estate 310,000 + 10,000 320,000
Other assets 0 + 140,000 140,000
Total assets 364,783 +145,017 509,800

Mortgage 312,000 -567 311,433
Other debt 0 + 97,667 97,667
Total debt 312,000 + 97,100 409,100
Change
Cash 23,615 -3,615 20,000
Investments 17,320 +480 17,800
Retirement acc 13,848 -1,848 12,000
Real estate 310,000 + 10,000 320,000
Other assets 0 + 140,000 140,000
Total assets 364,783 +145,017 509,800

Mortgage 312,000 -567 311,433
Other debt 0 + 97,667 97,667
Total debt 312,000 + 97,100 409,100
Change
Cash 23,615 -3,615 20,000
Investments 17,320 +480 17,800
Retirement acc 13,848 -1,848 12,000
Real estate 310,000 + 10,000 320,000
Other assets 0 + 140,000 140,000
Total assets 364,783 +145,017 509,800

Mortgage 312,000 -567 311,433
Other debt 0 + 97,667 97,667
Total debt 312,000 + 97,100 409,100

I am now 7.1% on my way to achive my FIRE target of EUR 700,000. This is -0.7 percentage points closer, compared to the last net worth update.

EUR 49,800 FIRE target: EUR 700,000


7.1%

FI portfolio

My FI portfolio now consists of EUR 17,800 (35.7%) in investments, EUR 12,000 (24.1%) in retirement accounts, and EUR 20,000 (40.2%) in cash.

Investments

Since my last update, my investments increased with EUR 480 (2.77%), of which EUR 34,400 was from contributions, and EUR 11,635 was from returns.

Since I started tracking, my total contributions have been EUR 36,650, and my total return has been EUR 42,630.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -1,848 (-13.34%), of which EUR 7,461 was from contributions , and EUR 3,066 was from returns.

Since I started tracking, my total contributions have been EUR 7,811, and my total return is EUR 9,541.




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

If I quit working today, my monthly pay out would be EUR 166 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
166/month
(4.0% SWR)
145/month
(3.5% SWR)
124/month
(3.0% SWR)


When can I retire?

FI date

My age

47

I am currently aiming to save/invest approximately EUR 1,800 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 700,000 in 8 years and 9 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 279,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 371,200


Financial independence forecast