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Net worth update per



This is htop's #12 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 124,301 and my FI portfolio increased to EUR 124,301


Net worth

EUR 124,301

Since the last update on my net worth has increased with EUR 10,909 (+ 9.62 %).

FI portfolio

EUR 124,301

Since the last update on my FI portfolio has increased with EUR 10,909 (+ 9.62 %).

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.

I am now 10.4% on my way to achive my FIRE target of EUR 1,200,000. This is 0.9 percentage points closer, compared to the last net worth update.

EUR 124,301 FIRE target: EUR 1,200,000


10.4%


FI portfolio


My FI portfolio now consists of EUR 114,759 (92.3%) in investments, and EUR 9,542 (7.7%) in cash.

Investments

Since my last update, my investments increased with EUR 6,375 (5.88%), of which EUR 2,000 was from contributions, and EUR 10,435 was from returns.

Since I started tracking, my total contributions have been EUR 116,600, and my total return has been EUR 89,397.




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


If I quit working today, my monthly pay out would be EUR 414 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
414/month
(4.0% SWR)
362/month
(3.5% SWR)
310/month
(3.0% SWR)


When can I retire?


FI date


My age

42

I am currently aiming to save/invest approximately EUR 2,500 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,200,000 in 14 years and 8 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another EUR 505,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 570,699


Financial independence forecast