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Net worth update per


This is lazy-soup's #5 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 149,878 and my FI portfolio increased to EUR 101,837


Net worth

EUR 149,878

Since the last update on my net worth has increased with EUR 34,287 (+ 29.66 %).

FI portfolio

EUR 101,837

Since the last update on my FI portfolio has increased with EUR 22,176 (+ 27.84 %).

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 30,415 +184 30,599
Investments 33,380 +17,185 50,565
Retirement acc 15,866 +4,807 20,673
Real estate 441,284 + 4,656 445,940
Other assets 0 0 0
Total assets 520,945 +26,832 547,777

Mortgage 405,354 -7,455 397,899
Other debt 0 0 0
Total debt 405,354 -7,455 397,899
Change
Cash 30,415 +184 30,599
Investments 33,380 +17,185 50,565
Retirement acc 15,866 +4,807 20,673
Real estate 441,284 + 4,656 445,940
Other assets 0 0 0
Total assets 520,945 +26,832 547,777

Mortgage 405,354 -7,455 397,899
Other debt 0 0 0
Total debt 405,354 -7,455 397,899
Change
Cash 23,615 +6,984 30,599
Investments 17,320 +33,245 50,565
Retirement acc 13,848 +6,825 20,673
Real estate 310,000 + 135,940 445,940
Other assets 0 0 0
Total assets 364,783 +182,994 547,777

Mortgage 312,000 85,899 397,899
Other debt 0 0 0
Total debt 312,000 + 85,899 397,899

I am now 14.5% on my way to achive my FIRE target of EUR 700,000. This is 3.2 percentage points closer, compared to the last net worth update.

EUR 101,837 FIRE target: EUR 700,000


14.5%

FI portfolio

My FI portfolio now consists of EUR 50,565 (49.7%) in investments, EUR 20,673 (20.3%) in retirement accounts, and EUR 30,599 (30.0%) in cash.

Investments

Since my last update, my investments increased with EUR 17,185 (51.48%), 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 4,807 (30.3%), 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 339 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
339/month
(4.0% SWR)
297/month
(3.5% SWR)
254/month
(3.0% SWR)


When can I retire?

FI date

My age

46

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 0 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another EUR 243,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 355,163


Financial independence forecast