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Net worth update per


This is firecycling3's #22 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 36,961 and my FI portfolio increased to EUR 35,486


Net worth

EUR 36,961

Since the last update on my net worth has increased with EUR 3,452 (+ 10.3 %).

FI portfolio

EUR 35,486

Since the last update on my FI portfolio has increased with EUR 3,452 (+ 10.78 %).

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 11,636 +1,288 12,924
Investments 16,198 +2,164 18,362
Retirement acc 4,200 0 4,200
Real estate 0 0 0
Other assets 1,500 0 1,500
Total assets 33,534 +3,452 36,986

Mortgage 0 0 0
Other debt 25 0 25
Total debt 25 0 25
Change
Cash 10,585 +2,339 12,924
Investments 16,252 +2,110 18,362
Retirement acc 0 +4,200 4,200
Real estate 0 0 0
Other assets 1,720 -220 1,500
Total assets 28,557 +8,429 36,986

Mortgage 0 0 0
Other debt 0 + 25 25
Total debt 0 + 25 25
Change
Cash 6,378 +6,546 12,924
Investments 500 +17,862 18,362
Retirement acc 0 +4,200 4,200
Real estate 0 0 0
Other assets 2,120 -620 1,500
Total assets 8,998 +27,988 36,986

Mortgage 0 0 0
Other debt 329 -304 25
Total debt 329 -304 25

I am now 3.5% on my way to achive my FIRE target of EUR 1,000,000. This is 0.3 percentage points closer, compared to the last net worth update.

EUR 35,486 FIRE target: EUR 1,000,000


3.5%

FI portfolio

My FI portfolio now consists of EUR 18,362 (51.7%) in investments, EUR 4,200 (11.8%) in retirement accounts, and EUR 12,924 (36.4%) in cash.

Investments

Since my last update, my investments increased with EUR 2,164 (13.36%).

Since I started tracking, my total contributions have been EUR 30,872, and my total return has been EUR 11,928.

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 18,729, and my total return is EUR 40,402.




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

If I quit working today, my monthly pay out would be EUR 118 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
118/month
(4.0% SWR)
103/month
(3.5% SWR)
88/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 1,000,000 in 12 years and 1 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 349,200, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 615,314


Financial independence forecast