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Net worth update per


This is Nopius's #9 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 411,479 and my FI portfolio increased to EUR 179,192


Net worth

EUR 411,479

Since the last update on my net worth has increased with EUR 4,901 (+ 1.21 %).

FI portfolio

EUR 179,192

Since the last update on my FI portfolio has increased with EUR 4,226 (+ 2.42 %).

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 121,270 +450 121,720
Investments 37,206 +3,611 40,817
Retirement acc 16,490 +165 16,655
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 474,966 +4,226 479,192

Mortgage 68,388 -675 67,713
Other debt 0 0 0
Total debt 68,388 -675 67,713
Change
Cash 111,750 +9,970 121,720
Investments 32,740 +8,077 40,817
Retirement acc 16,000 +655 16,655
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 460,490 +18,702 479,192

Mortgage 70,408 -2,695 67,713
Other debt 0 0 0
Total debt 70,408 -2,695 67,713
Change
Cash 93,450 +28,270 121,720
Investments 17,822 +22,995 40,817
Retirement acc 10,120 +6,535 16,655
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +57,800 479,192

Mortgage 95,590 -27,877 67,713
Other debt 0 0 0
Total debt 95,590 -27,877 67,713

I am now 17.9% on my way to achive my FIRE target of EUR 1,000,000. This is 0.4 percentage points closer, compared to the last net worth update.

EUR 179,192 FIRE target: EUR 1,000,000


17.9%

FI portfolio

My FI portfolio now consists of EUR 40,817 (22.8%) in investments, EUR 16,655 (9.3%) in retirement accounts, and EUR 121,720 (67.9%) in cash.

Investments

Since my last update, my investments increased with EUR 3,611 (9.71%).

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 165 (1.0%), 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 597 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
597/month
(4.0% SWR)
522/month
(3.5% SWR)
447/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 0 months, in , and at that time I will be 59 years old.

By that time I will have invested/saved another EUR 301,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 519,808


Financial independence forecast