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Net worth update per


This is kaasmetkaas's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 198,000 and my FI portfolio increased to EUR 108,000


Net worth

EUR 198,000

Since the last update on my net worth has increased with EUR 20,000 (+ 11.24 %).

FI portfolio

EUR 108,000

Since the last update on my FI portfolio has increased with EUR 20,000 (+ 22.73 %).

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 15,000 0 15,000
Investments 60,000 +20,000 80,000
Retirement acc 13,000 0 13,000
Real estate 380,000 0 380,000
Other assets 5,000 0 5,000
Total assets 473,000 +20,000 493,000

Mortgage 295,000 0 295,000
Other debt 0 0 0
Total debt 295,000 0 295,000
Change
Cash 15,000 0 15,000
Investments 60,000 +20,000 80,000
Retirement acc 13,000 0 13,000
Real estate 380,000 0 380,000
Other assets 1,000 + 4,000 5,000
Total assets 469,000 +24,000 493,000

Mortgage 297,380 -2,380 295,000
Other debt 0 0 0
Total debt 297,380 -2,380 295,000
Change
Cash 15,000 0 15,000
Investments 60,000 +20,000 80,000
Retirement acc 13,000 0 13,000
Real estate 380,000 0 380,000
Other assets 1,000 + 4,000 5,000
Total assets 469,000 +24,000 493,000

Mortgage 297,380 -2,380 295,000
Other debt 0 0 0
Total debt 297,380 -2,380 295,000

I am now 18.0% on my way to achive my FIRE target of EUR 600,000. This is 3.3 percentage points closer, compared to the last net worth update.

EUR 108,000 FIRE target: EUR 600,000


18.0%

FI portfolio

My FI portfolio now consists of EUR 80,000 (74.1%) in investments, EUR 13,000 (12.0%) in retirement accounts, and EUR 15,000 (13.9%) in cash.

Investments

Since my last update, my investments increased with EUR 20,000 (33.33%).

Since I started tracking, my total contributions have been EUR 2,500, and my total return has been EUR 17,500.

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 600, and my total return is EUR -600.




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

If I quit working today, my monthly pay out would be EUR 360 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
360/month
(4.0% SWR)
315/month
(3.5% SWR)
270/month
(3.0% SWR)


When can I retire?

FI date

My age

51

I am currently aiming to save/invest approximately EUR 1,500 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 600,000 in 11 years and 1 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 264,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 228,000


Financial independence forecast