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Net worth update per


This is whale13's #15 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 287,761 and my FI portfolio decreased to EUR 42,033


Net worth

EUR 287,761

Since the last update on my net worth has increased with EUR 1,723 (+ 0.6 %).

FI portfolio

EUR 42,033

Since the last update on my FI portfolio has decreased with EUR -8,806 ( -17.32 %).

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 13,800 -12,300 1,500
Investments 29,136 +3,494 32,630
Retirement acc 7,903 0 7,903
Real estate 440,000 0 440,000
Other assets 5,000 0 5,000
Total assets 495,839 -8,806 487,033

Mortgage 209,801 -10,529 199,272
Other debt 0 0 0
Total debt 209,801 -10,529 199,272
Change
Cash 14,300 -12,800 1,500
Investments 26,824 +5,806 32,630
Retirement acc 7,903 0 7,903
Real estate 440,000 0 440,000
Other assets 5,000 0 5,000
Total assets 494,027 -6,994 487,033

Mortgage 210,310 -11,038 199,272
Other debt 0 0 0
Total debt 210,310 -11,038 199,272
Change
Cash 11,000 -9,500 1,500
Investments 4,645 +27,985 32,630
Retirement acc 7,903 0 7,903
Real estate 375,000 + 65,000 440,000
Other assets 5,000 0 5,000
Total assets 403,548 +83,485 487,033

Mortgage 216,000 -16,728 199,272
Other debt 0 0 0
Total debt 216,000 -16,728 199,272

I am now 9.3% on my way to achive my FIRE target of EUR 450,000. This is -2.0 percentage points closer, compared to the last net worth update.

EUR 42,033 FIRE target: EUR 450,000


9.3%

FI portfolio

My FI portfolio now consists of EUR 32,630 (77.6%) in investments, EUR 7,903 (18.8%) in retirement accounts, and EUR 1,500 (3.6%) in cash.

Investments

Since my last update, my investments increased with EUR 3,494 (11.99%).

Since I started tracking, my total contributions have been EUR 5,500, and my total return has been EUR 25,434.

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 0, and my total return is EUR 1,202.




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

If I quit working today, my monthly pay out would be EUR 140 for the rest of my life.


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


When can I retire?

FI date

My age

48

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

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 450,000 in 10 years and 1 months, in , and at that time I will be 48 years old.

By that time I will have invested/saved another EUR 222,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 185,967


Financial independence forecast