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Net worth update per


This is kaasenklompen's #8 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 505,118 and my FI portfolio increased to EUR 177,320


Net worth

EUR 505,118

Since the last update on my net worth has increased with EUR 45,789 (+ 9.97 %).

FI portfolio

EUR 177,320

Since the last update on my FI portfolio has increased with EUR 46,177 (+ 35.21 %).

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 26,351 +35,678 62,029
Investments 100,621 +10,254 110,875
Retirement acc 4,171 +245 4,416
Real estate 533,000 0 533,000
Other assets 19,679 -4,679 15,000
Total assets 683,822 +41,498 725,320

Mortgage 214,038 -2,122 211,916
Other debt 10,455 -2,169 8,286
Total debt 224,493 -4,291 220,202
Change
Cash 37,278 +24,751 62,029
Investments 76,486 +34,389 110,875
Retirement acc 2,114 +2,302 4,416
Real estate 438,000 + 95,000 533,000
Other assets 19,961 -4,961 15,000
Total assets 573,839 +151,481 725,320

Mortgage 216,813 -4,897 211,916
Other debt 0 + 8,286 8,286
Total debt 216,813 + 3,389 220,202
Change
Cash 42,215 +19,814 62,029
Investments 5,409 +105,466 110,875
Retirement acc 0 +4,416 4,416
Real estate 318,000 + 215,000 533,000
Other assets 0 + 15,000 15,000
Total assets 365,624 +359,696 725,320

Mortgage 295,000 -83,084 211,916
Other debt 0 + 8,286 8,286
Total debt 295,000 -74,798 220,202

I am now 23.6% on my way to achive my FIRE target of EUR 750,000. This is 6.2 percentage points closer, compared to the last net worth update.

EUR 177,320 FIRE target: EUR 750,000


23.6%

FI portfolio

My FI portfolio now consists of EUR 110,875 (62.5%) in investments, EUR 4,416 (2.5%) in retirement accounts, and EUR 62,029 (35.0%) in cash.

Investments

Since my last update, my investments increased with EUR 10,254 (10.19%), of which EUR 1,263 was from contributions, and EUR 8,991 was from returns.

Since I started tracking, my total contributions have been EUR 105,275, and my total return has been EUR 191.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 245 (5.87%).

Since I started tracking, my total contributions have been EUR 4,171, and my total return is EUR 245.




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

If I quit working today, my monthly pay out would be EUR 591 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
591/month
(4.0% SWR)
517/month
(3.5% SWR)
443/month
(3.0% SWR)


When can I retire?

FI date

My age

49

I am currently aiming to save/invest approximately EUR 2,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 750,000 in 11 years and 8 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another EUR 294,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 278,680


Financial independence forecast