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Net worth update per


This is halmaethor's #5 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 133,352 and my FI portfolio increased to EUR 31,352


Net worth

EUR 133,352

Since the last update on my net worth has increased with EUR 56,665 (+ 73.89 %).

FI portfolio

EUR 31,352

Since the last update on my FI portfolio has increased with EUR 2,183 (+ 7.48 %).

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 15,000 0 15,000
Investments 12,081 +2,023 14,104
Retirement acc 2,088 +160 2,248
Real estate 100,000 0 100,000
Other assets 2,000 0 2,000
Total assets 131,169 +2,183 133,352

Mortgage 54,482 -54,482 0
Other debt 0 0 0
Total debt 54,482 -54,482 0
Change
Cash 15,000 0 15,000
Investments 12,081 +2,023 14,104
Retirement acc 2,088 +160 2,248
Real estate 100,000 0 100,000
Other assets 2,000 0 2,000
Total assets 131,169 +2,183 133,352

Mortgage 54,482 -54,482 0
Other debt 0 0 0
Total debt 54,482 -54,482 0
Change
Cash 15,000 0 15,000
Investments 10,257 +3,847 14,104
Retirement acc 0 +2,248 2,248
Real estate 100,000 0 100,000
Other assets 2,000 0 2,000
Total assets 127,257 +6,095 133,352

Mortgage 55,170 -55,170 0
Other debt 0 0 0
Total debt 55,170 -55,170 0

I am now 3.1% on my way to achive my FIRE target of EUR 1,000,000. This is 0.2 percentage points closer, compared to the last net worth update.

EUR 31,352 FIRE target: EUR 1,000,000


3.1%

FI portfolio

My FI portfolio now consists of EUR 14,104 (45.0%) in investments, EUR 2,248 (7.2%) in retirement accounts, and EUR 15,000 (47.8%) in cash.

Investments

Since my last update, my investments increased with EUR 2,023 (16.75%), of which EUR 2,000 was from contributions, and EUR 23 was from returns.

Since I started tracking, my total contributions have been EUR 2,500, and my total return has been EUR 1,347.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 160 (7.66%), of which EUR 165 was from contributions , and EUR -5 was from returns.

Since I started tracking, my total contributions have been EUR 2,145, and my total return is EUR 103.




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

If I quit working today, my monthly pay out would be EUR 104 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
104/month
(4.0% SWR)
91/month
(3.5% SWR)
78/month
(3.0% SWR)


When can I retire?

FI date

My age

53

I am currently aiming to save/invest approximately EUR 1,165 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 15 years and 5 months, in , and at that time I will be 53 years old.

By that time I will have invested/saved another EUR 276,105, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 692,543


Financial independence forecast