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Net worth update per


This is whale13's #18 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 291,986 and my FI portfolio decreased to EUR 44,804


Net worth

EUR 291,986

Since the last update on my net worth has decreased with EUR -1,019 ( -0.35 %).

FI portfolio

EUR 44,804

Since the last update on my FI portfolio has decreased with EUR -1,505 ( -3.25 %).

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 2,600 +300 2,900
Investments 34,604 -1,805 32,799
Retirement acc 9,105 0 9,105
Real estate 440,000 0 440,000
Other assets 5,000 0 5,000
Total assets 491,309 -1,505 489,804

Mortgage 198,304 -486 197,818
Other debt 0 0 0
Total debt 198,304 -486 197,818
Change
Cash 14,300 -11,400 2,900
Investments 26,824 +5,975 32,799
Retirement acc 7,903 +1,202 9,105
Real estate 440,000 0 440,000
Other assets 5,000 0 5,000
Total assets 494,027 -4,223 489,804

Mortgage 210,310 -12,492 197,818
Other debt 0 0 0
Total debt 210,310 -12,492 197,818
Change
Cash 11,000 -8,100 2,900
Investments 4,645 +28,154 32,799
Retirement acc 7,903 +1,202 9,105
Real estate 375,000 + 65,000 440,000
Other assets 5,000 0 5,000
Total assets 403,548 +86,256 489,804

Mortgage 216,000 -18,182 197,818
Other debt 0 0 0
Total debt 216,000 -18,182 197,818

I am now 10.0% on my way to achive my FIRE target of EUR 450,000. This is -0.3 percentage points closer, compared to the last net worth update.

EUR 44,804 FIRE target: EUR 450,000


10.0%

FI portfolio

My FI portfolio now consists of EUR 32,799 (73.2%) in investments, EUR 9,105 (20.3%) in retirement accounts, and EUR 2,900 (6.5%) in cash.

Investments

Since my last update, my investments decreased with EUR -1,805 (-5.22%).

Since I started tracking, my total contributions have been EUR 5,500, and my total return has been EUR 32,913.

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 4,947.




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

If I quit working today, my monthly pay out would be EUR 149 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
149/month
(4.0% SWR)
130/month
(3.5% SWR)
112/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 8 years and 8 months, in , and at that time I will be 48 years old.

By that time I will have invested/saved another EUR 220,500, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 184,696


Financial independence forecast