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Net worth update per


This is Nopius's #20 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 451,698 and my FI portfolio decreased to EUR 211,947


Net worth

EUR 451,698

Since the last update on my net worth has decreased with EUR -28 ( -0.01 %).

FI portfolio

EUR 211,947

Since the last update on my FI portfolio has decreased with EUR -710 ( -0.33 %).

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 133,550 -250 133,300
Investments 60,797 -625 60,172
Retirement acc 18,310 +165 18,475
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 512,657 -710 511,947

Mortgage 60,931 -682 60,249
Other debt 0 0 0
Total debt 60,931 -682 60,249
Change
Cash 132,050 +1,250 133,300
Investments 55,478 +4,694 60,172
Retirement acc 17,980 +495 18,475
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 505,508 +6,439 511,947

Mortgage 62,293 -2,044 60,249
Other debt 0 0 0
Total debt 62,293 -2,044 60,249
Change
Cash 93,450 +39,850 133,300
Investments 17,822 +42,350 60,172
Retirement acc 10,120 +8,355 18,475
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +90,555 511,947

Mortgage 95,590 -35,341 60,249
Other debt 0 0 0
Total debt 95,590 -35,341 60,249

I am now 21.2% on my way to achive my FIRE target of EUR 1,000,000. This is -0.1 percentage points closer, compared to the last net worth update.

EUR 211,947 FIRE target: EUR 1,000,000


21.2%

FI portfolio

My FI portfolio now consists of EUR 60,172 (28.4%) in investments, EUR 18,475 (8.7%) in retirement accounts, and EUR 133,300 (62.9%) in cash.

Investments

Since my last update, my investments decreased with EUR -625 (-1.03%).

Since I started tracking, my total contributions have been EUR 107,200, and my total return has been EUR 22,821.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 165 (0.9%), of which EUR 170 was from contributions , and EUR 0 was from returns.

Since I started tracking, my total contributions have been EUR 12,137, and my total return is EUR 183.




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

If I quit working today, my monthly pay out would be EUR 706 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
706/month
(4.0% SWR)
618/month
(3.5% SWR)
529/month
(3.0% SWR)


When can I retire?

FI date

My age

58

I am currently aiming to save/invest approximately EUR 1,000 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 21 years and 3 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another EUR 281,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 507,053


Financial independence forecast