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Net worth update per


This is TumTumTuuum's #16 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 88,246 and my FI portfolio decreased to EUR 52,035


Net worth

EUR 88,246

Since the last update on my net worth has increased with EUR 528 (+ 0.6 %).

FI portfolio

EUR 52,035

Since the last update on my FI portfolio has decreased with EUR -2,420 ( -4.44 %).

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 0 0 0
Investments 46,726 -2,238 44,488
Retirement acc 7,729 -182 7,547
Real estate 85,013 -39 84,974
Other assets 8,989 -55 8,934
Total assets 148,457 -2,514 145,943

Mortgage 54,515 -68 54,447
Other debt 6,224 -2,974 3,250
Total debt 60,739 -3,042 57,697
Change
Cash 1,899 -1,899 0
Investments 25,489 +18,999 44,488
Retirement acc 6,144 +1,403 7,547
Real estate 84,175 + 799 84,974
Other assets 1,232 + 7,702 8,934
Total assets 118,939 +27,004 145,943

Mortgage 56,130 -1,683 54,447
Other debt 2,462 + 788 3,250
Total debt 58,592 + -895 57,697
Change
Cash 1,230 -1,230 0
Investments 22,554 +21,934 44,488
Retirement acc 5,536 +2,011 7,547
Real estate 82,013 + 2,961 84,974
Other assets 1,025 + 7,909 8,934
Total assets 112,358 +33,585 145,943

Mortgage 56,834 -2,387 54,447
Other debt 2,768 + 482 3,250
Total debt 59,602 -1,905 57,697

I am now 2.1% on my way to achive my FIRE target of EUR 2,500,000. This is -0.1 percentage points closer, compared to the last net worth update.

EUR 52,035 FIRE target: EUR 2,500,000


2.1%

FI portfolio

My FI portfolio now consists of EUR 44,488 (85.5%) in investments, EUR 7,547 (14.5%) in retirement accounts, and EUR 0 (0.0%) in cash.

Investments

Since my last update, my investments decreased with EUR -2,238 (-4.79%).

Since I started tracking, my total contributions have been EUR 140,978, and my total return has been EUR 22,652.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -182 (-2.35%), of which EUR 4,500 was from contributions , and EUR -4,502 was from returns.

Since I started tracking, my total contributions have been EUR 6,089, and my total return is EUR -2,381.




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

If I quit working today, my monthly pay out would be EUR 173 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
173/month
(4.0% SWR)
151/month
(3.5% SWR)
130/month
(3.0% SWR)


When can I retire?

FI date

My age

46

I am currently aiming to save/invest approximately EUR 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 2,500,000 in 13 years and 5 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another EUR 1,218,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,229,965


Financial independence forecast