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Net worth update per


This is Nopius's #11 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 417,681 and my FI portfolio increased to EUR 184,043


Net worth

EUR 417,681

Since the last update on my net worth has increased with EUR 4,669 (+ 1.13 %).

FI portfolio

EUR 184,043

Since the last update on my FI portfolio has increased with EUR 3,993 (+ 2.22 %).

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 122,170 +250 122,420
Investments 41,060 +3,583 44,643
Retirement acc 16,820 +160 16,980
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 480,050 +3,993 484,043

Mortgage 67,038 -676 66,362
Other debt 0 0 0
Total debt 67,038 -676 66,362
Change
Cash 111,750 +10,670 122,420
Investments 32,740 +11,903 44,643
Retirement acc 16,000 +980 16,980
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 460,490 +23,553 484,043

Mortgage 70,408 -4,046 66,362
Other debt 0 0 0
Total debt 70,408 -4,046 66,362
Change
Cash 93,450 +28,970 122,420
Investments 17,822 +26,821 44,643
Retirement acc 10,120 +6,860 16,980
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +62,651 484,043

Mortgage 95,590 -29,228 66,362
Other debt 0 0 0
Total debt 95,590 -29,228 66,362

I am now 18.4% 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 184,043 FIRE target: EUR 1,000,000


18.4%

FI portfolio

My FI portfolio now consists of EUR 44,643 (24.3%) in investments, EUR 16,980 (9.2%) in retirement accounts, and EUR 122,420 (66.5%) in cash.

Investments

Since my last update, my investments increased with EUR 3,583 (8.73%).

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 160 (0.95%), 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 613 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
613/month
(4.0% SWR)
536/month
(3.5% SWR)
460/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 21 years and 10 months, in , and at that time I will be 59 years old.

By that time I will have invested/saved another EUR 297,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 518,957


Financial independence forecast