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Net worth update per


This is SamV's #9 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 128,289 and my FI portfolio increased to EUR 128,289


Net worth

EUR 128,289

Since the last update on my net worth has increased with EUR 3,751 (+ 3.01 %).

FI portfolio

EUR 128,289

Since the last update on my FI portfolio has increased with EUR 3,751 (+ 3.01 %).

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 14,111 -506 13,605
Investments 102,219 +4,125 106,344
Retirement acc 8,208 +132 8,340
Real estate 0 0 0
Other assets 0 0 0
Total assets 124,538 +3,751 128,289

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 22,048 -8,443 13,605
Investments 75,783 +30,561 106,344
Retirement acc 7,428 +912 8,340
Real estate 0 0 0
Other assets 0 0 0
Total assets 105,259 +23,030 128,289

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 22,048 -8,443 13,605
Investments 75,783 +30,561 106,344
Retirement acc 7,428 +912 8,340
Real estate 0 0 0
Other assets 0 0 0
Total assets 105,259 +23,030 128,289

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 12.8% 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 128,289 FIRE target: EUR 1,000,000


12.8%

FI portfolio

My FI portfolio now consists of EUR 106,344 (82.9%) in investments, EUR 8,340 (6.5%) in retirement accounts, and EUR 13,605 (10.6%) in cash.

Investments

Since my last update, my investments increased with EUR 4,125 (4.04%), of which EUR 900 was from contributions, and EUR 3,611 was from returns.

Since I started tracking, my total contributions have been EUR 38,070, and my total return has been EUR -4,920.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 132 (1.61%), of which EUR -4,113 was from withdrawals, and EUR -3,048 was from returns.

Since I started tracking, my total contributions have been EUR -4,113, and my total return is EUR -3,315.




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

If I quit working today, my monthly pay out would be EUR 427 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
427/month
(4.0% SWR)
374/month
(3.5% SWR)
320/month
(3.0% SWR)


When can I retire?

FI date

My age

47

I am currently aiming to save/invest approximately EUR 1,100 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 16 years and 8 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 255,200, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 616,511


Financial independence forecast