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Net worth update per


This is lazy-soup's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 109,136 and my FI portfolio increased to EUR 73,958


Net worth

EUR 109,136

Since the last update on my net worth has increased with EUR 8,436 (+ 8.38 %).

FI portfolio

EUR 73,958

Since the last update on my FI portfolio has increased with EUR 24,158 (+ 48.51 %).

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 EUR.
Change
Cash 20,000 +8,000 28,000
Investments 17,800 +12,389 30,189
Retirement acc 12,000 +3,769 15,769
Real estate 320,000 + 121,284 441,284
Other assets 140,000 -140,000 0
Total assets 509,800 +5,442 515,242

Mortgage 311,433 94,673 406,106
Other debt 97,667 -97,667 0
Total debt 409,100 -2,994 406,106
Change
Cash 23,615 +4,385 28,000
Investments 17,320 +12,869 30,189
Retirement acc 13,848 +1,921 15,769
Real estate 310,000 + 131,284 441,284
Other assets 0 0 0
Total assets 364,783 +150,459 515,242

Mortgage 312,000 94,106 406,106
Other debt 0 0 0
Total debt 312,000 94,106 406,106
Change
Cash 23,615 +4,385 28,000
Investments 17,320 +12,869 30,189
Retirement acc 13,848 +1,921 15,769
Real estate 310,000 + 131,284 441,284
Other assets 0 0 0
Total assets 364,783 +150,459 515,242

Mortgage 312,000 94,106 406,106
Other debt 0 0 0
Total debt 312,000 + 94,106 406,106

I am now 10.6% on my way to achive my FIRE target of EUR 700,000. This is 3.5 percentage points closer, compared to the last net worth update.

EUR 73,958 FIRE target: EUR 700,000


10.6%

FI portfolio

My FI portfolio now consists of EUR 30,189 (40.8%) in investments, EUR 15,769 (21.3%) in retirement accounts, and EUR 28,000 (37.9%) in cash.

Investments

Since my last update, my investments increased with EUR 12,389 (69.6%), 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 increased with EUR 3,769 (31.41%), 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 246 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
246/month
(4.0% SWR)
215/month
(3.5% SWR)
184/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 5 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 262,800, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 363,242


Financial independence forecast