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Net worth update per


This is lazy-soup's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 115,591 and my FI portfolio increased to EUR 79,661


Net worth

EUR 115,591

Since the last update on my net worth has increased with EUR 6,455 (+ 5.91 %).

FI portfolio

EUR 79,661

Since the last update on my FI portfolio has increased with EUR 5,703 (+ 7.71 %).

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 28,000 +2,415 30,415
Investments 30,189 +3,191 33,380
Retirement acc 15,769 +97 15,866
Real estate 441,284 0 441,284
Other assets 0 0 0
Total assets 515,242 +5,703 520,945

Mortgage 406,106 -752 405,354
Other debt 0 0 0
Total debt 406,106 -752 405,354
Change
Cash 23,615 +6,800 30,415
Investments 17,320 +16,060 33,380
Retirement acc 13,848 +2,018 15,866
Real estate 310,000 + 131,284 441,284
Other assets 0 0 0
Total assets 364,783 +156,162 520,945

Mortgage 312,000 93,354 405,354
Other debt 0 0 0
Total debt 312,000 93,354 405,354
Change
Cash 23,615 +6,800 30,415
Investments 17,320 +16,060 33,380
Retirement acc 13,848 +2,018 15,866
Real estate 310,000 + 131,284 441,284
Other assets 0 0 0
Total assets 364,783 +156,162 520,945

Mortgage 312,000 93,354 405,354
Other debt 0 0 0
Total debt 312,000 + 93,354 405,354

I am now 11.4% on my way to achive my FIRE target of EUR 700,000. This is 0.8 percentage points closer, compared to the last net worth update.

EUR 79,661 FIRE target: EUR 700,000


11.4%

FI portfolio

My FI portfolio now consists of EUR 33,380 (41.9%) in investments, EUR 15,866 (19.9%) in retirement accounts, and EUR 30,415 (38.2%) in cash.

Investments

Since my last update, my investments increased with EUR 3,191 (10.57%), 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 97 (0.62%), 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 265 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
265/month
(4.0% SWR)
232/month
(3.5% SWR)
199/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 4 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 259,200, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 361,139


Financial independence forecast