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Net worth update per


This is jumpyCrackers2's #4 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 179,386 and my FI portfolio increased to EUR 38,386


Net worth

EUR 179,386

Since the last update on my net worth has decreased with EUR -7,169 ( -3.84 %).

FI portfolio

EUR 38,386

Since the last update on my FI portfolio has increased with EUR 1,031 (+ 2.76 %).

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 16,450 +800 17,250
Investments 4,905 +231 5,136
Retirement acc 16,000 0 16,000
Real estate 464,000 -9,000 455,000
Other assets 0 0 0
Total assets 501,355 -7,969 493,386

Mortgage 314,800 -800 314,000
Other debt 0 0 0
Total debt 314,800 -800 314,000
Change
Cash 16,400 +850 17,250
Investments 5,000 +136 5,136
Retirement acc 16,000 0 16,000
Real estate 464,000 -9,000 455,000
Other assets 0 0 0
Total assets 501,400 -8,014 493,386

Mortgage 317,000 -3,000 314,000
Other debt 0 0 0
Total debt 317,000 -3,000 314,000
Change
Cash 16,400 +850 17,250
Investments 5,000 +136 5,136
Retirement acc 16,000 0 16,000
Real estate 464,000 -9,000 455,000
Other assets 0 0 0
Total assets 501,400 -8,014 493,386

Mortgage 317,000 -3,000 314,000
Other debt 0 0 0
Total debt 317,000 -3,000 314,000

I am now 3.2% on my way to achive my FIRE target of EUR 1,200,000. This is 0.1 percentage points closer, compared to the last net worth update.

EUR 38,386 FIRE target: EUR 1,200,000


3.2%

FI portfolio

My FI portfolio now consists of EUR 5,136 (13.4%) in investments, EUR 16,000 (41.7%) in retirement accounts, and EUR 17,250 (44.9%) in cash.

Investments

Since my last update, my investments increased with EUR 231 (4.71%).

Since I started tracking, my total contributions have been EUR 2,200, and my total return has been EUR -3,690.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR 0 (0.0%).

Since I started tracking, my total contributions have been EUR 5,113, and my total return is EUR 4,175.




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

If I quit working today, my monthly pay out would be EUR 127 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
127/month
(4.0% SWR)
111/month
(3.5% SWR)
95/month
(3.0% SWR)


When can I retire?

FI date

My age

64

I am currently aiming to save/invest approximately EUR 1,200 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,200,000 in 27 years and 4 months, in , and at that time I will be 64 years old.

By that time I will have invested/saved another EUR 446,400, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 715,214


Financial independence forecast