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Net worth update per


This is Nopius's #2 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 343,425 and my FI portfolio increased to EUR 130,305


Net worth

EUR 343,425

Since the last update on my net worth has increased with EUR 17,623 (+ 5.41 %).

FI portfolio

EUR 130,305

Since the last update on my FI portfolio has increased with EUR 8,913 (+ 7.34 %).

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 93,450 +5,850 99,300
Investments 17,822 +1,103 18,925
Retirement acc 10,120 +1,960 12,080
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +8,913 430,305

Mortgage 95,590 -8,710 86,880
Other debt 0 0 0
Total debt 95,590 -8,710 86,880
Change
Cash 93,450 +5,850 99,300
Investments 17,822 +1,103 18,925
Retirement acc 10,120 +1,960 12,080
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +8,913 430,305

Mortgage 95,590 -8,710 86,880
Other debt 0 0 0
Total debt 95,590 -8,710 86,880
Change
Cash 93,450 +5,850 99,300
Investments 17,822 +1,103 18,925
Retirement acc 10,120 +1,960 12,080
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +8,913 430,305

Mortgage 95,590 -8,710 86,880
Other debt 0 0 0
Total debt 95,590 -8,710 86,880

I am now 13.0% on my way to achive my FIRE target of EUR 1,000,000. This is 0.9 percentage points closer, compared to the last net worth update.

EUR 130,305 FIRE target: EUR 1,000,000


13.0%

FI portfolio

My FI portfolio now consists of EUR 18,925 (14.5%) in investments, EUR 12,080 (9.3%) in retirement accounts, and EUR 99,300 (76.2%) in cash.

Investments

Since my last update, my investments increased with EUR 1,103 (6.19%).

Since I started tracking, my total contributions have been EUR 107,200, and my total return has been EUR 22,821.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 1,960 (19.37%), of which EUR 170 was from contributions , and EUR 0 was from returns.

Since I started tracking, my total contributions have been EUR 12,137, and my total return is EUR 183.




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

If I quit working today, my monthly pay out would be EUR 434 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
434/month
(4.0% SWR)
380/month
(3.5% SWR)
325/month
(3.0% SWR)


When can I retire?

FI date

My age

59

I am currently aiming to save/invest approximately EUR 1,000 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 22 years and 2 months, in , and at that time I will be 59 years old.

By that time I will have invested/saved another EUR 330,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 539,695


Financial independence forecast