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Net worth update per


This is Nopius's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 367,081 and my FI portfolio decreased to EUR 143,831


Net worth

EUR 367,081

Since the last update on my net worth has increased with EUR 1,536 (+ 0.42 %).

FI portfolio

EUR 143,831

Since the last update on my FI portfolio has decreased with EUR -554 ( -0.38 %).

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 104,700 +900 105,600
Investments 25,645 -1,454 24,191
Retirement acc 14,040 0 14,040
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 444,385 -554 443,831

Mortgage 78,840 -2,090 76,750
Other debt 0 0 0
Total debt 78,840 -2,090 76,750
Change
Cash 99,300 +6,300 105,600
Investments 18,925 +5,266 24,191
Retirement acc 12,080 +1,960 14,040
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 430,305 +13,526 443,831

Mortgage 86,880 -10,130 76,750
Other debt 0 0 0
Total debt 86,880 -10,130 76,750
Change
Cash 93,450 +12,150 105,600
Investments 17,822 +6,369 24,191
Retirement acc 10,120 +3,920 14,040
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +22,439 443,831

Mortgage 95,590 -18,840 76,750
Other debt 0 0 0
Total debt 95,590 -18,840 76,750

I am now 14.4% on my way to achive my FIRE target of EUR 1,000,000. This is -0.1 percentage points closer, compared to the last net worth update.

EUR 143,831 FIRE target: EUR 1,000,000


14.4%

FI portfolio

My FI portfolio now consists of EUR 24,191 (16.8%) in investments, EUR 14,040 (9.8%) in retirement accounts, and EUR 105,600 (73.4%) in cash.

Investments

Since my last update, my investments decreased with EUR -1,454 (-5.67%).

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 decreased with EUR 0 (0.0%), 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 479 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
479/month
(4.0% SWR)
419/month
(3.5% SWR)
359/month
(3.0% SWR)


When can I retire?

FI date

My age

60

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 7 months, in , and at that time I will be 60 years old.

By that time I will have invested/saved another EUR 321,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 535,169


Financial independence forecast