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Net worth update per


This is jumpyCrackers2's #15 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 362,838 and my FI portfolio increased to EUR 36,838


Net worth

EUR 362,838

Since the last update on my net worth has increased with EUR 24,859 (+ 7.36 %).

FI portfolio

EUR 36,838

Since the last update on my FI portfolio has increased with EUR 859 (+ 2.39 %).

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 4,000 +500 4,500
Investments 8,507 +359 8,866
Retirement acc 23,472 0 23,472
Real estate 548,000 + 23,000 571,000
Other assets 0 0 0
Total assets 583,979 +23,859 607,838

Mortgage 246,000 -1,000 245,000
Other debt 0 0 0
Total debt 246,000 -1,000 245,000
Change
Cash 12,170 -7,670 4,500
Investments 5,675 +3,191 8,866
Retirement acc 23,472 0 23,472
Real estate 521,000 + 50,000 571,000
Other assets 0 0 0
Total assets 562,317 +45,521 607,838

Mortgage 310,999 -65,999 245,000
Other debt 0 0 0
Total debt 310,999 -65,999 245,000
Change
Cash 16,400 -11,900 4,500
Investments 5,000 +3,866 8,866
Retirement acc 16,000 +7,472 23,472
Real estate 464,000 + 107,000 571,000
Other assets 0 0 0
Total assets 501,400 +106,438 607,838

Mortgage 317,000 -72,000 245,000
Other debt 0 0 0
Total debt 317,000 -72,000 245,000

I am now 3.1% on my way to achive my FIRE target of EUR 1,200,000. This is 0.1 percentage points closer, compared to the last net worth update.

EUR 36,838 FIRE target: EUR 1,200,000


3.1%

FI portfolio

My FI portfolio now consists of EUR 8,866 (24.1%) in investments, EUR 23,472 (63.7%) in retirement accounts, and EUR 4,500 (12.2%) in cash.

Investments

Since my last update, my investments increased with EUR 359 (4.22%).

Since I started tracking, my total contributions have been EUR 2,200, and my total return has been EUR -3,690.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR 0 (0.0%).

Since I started tracking, my total contributions have been EUR 5,113, and my total return is EUR 4,175.




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

If I quit working today, my monthly pay out would be EUR 122 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
122/month
(4.0% SWR)
107/month
(3.5% SWR)
92/month
(3.0% SWR)


When can I retire?

FI date

My age

64

I am currently aiming to save/invest approximately EUR 1,200 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,200,000 in 27 years and 11 months, in , and at that time I will be 64 years old.

By that time I will have invested/saved another EUR 441,600, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 721,562


Financial independence forecast