Fireleap.com is a net worth tracking app that let's everyone track their finances in public. Sign up to join us!

Net worth update per February 5th 2021


This is Nopius's #7 net worth update. Please check out my profile here for more information. As of February 5th 2021, my net worth increased to EUR 404,540 and my FI portfolio increased to EUR 173,602


Net worth

EUR 404,540

Since the last update on January 5th 2021 my net worth has increased with EUR 4,095 (+ 1.02 %).

FI portfolio

EUR 173,602

Since the last update on January 5th 2021 my FI portfolio has increased with EUR 3,422 (+ 2.01 %).

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.
5 Jan 21 Change 5 Feb 21
Cash 120,000 +770 120,770
Investments 34,020 +2,487 36,507
Retirement acc 16,160 +165 16,325
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 470,180 +3,422 473,602

Mortgage 69,735 -673 69,062
Other debt 0 0 0
Total debt 69,735 -673 69,062
10 Dec 20 Change 5 Feb 21
Cash 111,750 +9,020 120,770
Investments 32,740 +3,767 36,507
Retirement acc 16,000 +325 16,325
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 460,490 +13,112 473,602

Mortgage 70,408 -1,346 69,062
Other debt 0 0 0
Total debt 70,408 -1,346 69,062
1 Jan 18 Change 5 Feb 21
Cash 93,450 +27,320 120,770
Investments 17,822 +18,685 36,507
Retirement acc 10,120 +6,205 16,325
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +52,210 473,602

Mortgage 95,590 -26,528 69,062
Other debt 0 0 0
Total debt 95,590 -26,528 69,062

I am now 17.4% 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 173,602 FIRE target: EUR 1,000,000


17.4%

FI portfolio

My FI portfolio now consists of EUR 36,507 (21.0%) in investments, EUR 16,325 (9.4%) in retirement accounts, and EUR 120,770 (69.6%) in cash.

Investments

Since my last update, my investments increased with EUR 2,487 (7.31%), of which EUR 1,600 was from contributions, and EUR -10,927 was from returns.

Since I started tracking, my total contributions have been EUR 151,099, and my total return has been EUR 46,126.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 165 (1.02%), of which EUR 165 was from contributions , and EUR 0 was from returns.

Since I started tracking, my total contributions have been EUR 13,972, 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 578 for the rest of my life.


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


When can I retire?

FI date

July 2046

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 21 years and 1 months, in July 2046, and at that time I will be 59 years old.

By that time I will have invested/saved another EUR 305,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 521,398


Financial independence forecast