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Net worth update per


This is Nopius's #5 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 390,082 and my FI portfolio increased to EUR 160,490


Net worth

EUR 390,082

Since the last update on my net worth has increased with EUR 23,001 (+ 6.27 %).

FI portfolio

EUR 160,490

Since the last update on my FI portfolio has increased with EUR 16,659 (+ 11.58 %).

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 105,600 +6,150 111,750
Investments 24,191 +8,549 32,740
Retirement acc 14,040 +1,960 16,000
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 443,831 +16,659 460,490

Mortgage 76,750 -6,342 70,408
Other debt 0 0 0
Total debt 76,750 -6,342 70,408
Change
Cash 99,300 +12,450 111,750
Investments 18,925 +13,815 32,740
Retirement acc 12,080 +3,920 16,000
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 430,305 +30,185 460,490

Mortgage 86,880 -16,472 70,408
Other debt 0 0 0
Total debt 86,880 -16,472 70,408
Change
Cash 93,450 +18,300 111,750
Investments 17,822 +14,918 32,740
Retirement acc 10,120 +5,880 16,000
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +39,098 460,490

Mortgage 95,590 -25,182 70,408
Other debt 0 0 0
Total debt 95,590 -25,182 70,408

I am now 16.0% on my way to achive my FIRE target of EUR 1,000,000. This is 1.7 percentage points closer, compared to the last net worth update.

EUR 160,490 FIRE target: EUR 1,000,000


16.0%

FI portfolio

My FI portfolio now consists of EUR 32,740 (20.4%) in investments, EUR 16,000 (10.0%) in retirement accounts, and EUR 111,750 (69.6%) in cash.

Investments

Since my last update, my investments increased with EUR 8,549 (35.34%).

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 (13.96%), 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 534 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
534/month
(4.0% SWR)
468/month
(3.5% SWR)
401/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 6 months, in , and at that time I will be 59 years old.

By that time I will have invested/saved another EUR 311,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 528,510


Financial independence forecast