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Net worth update per


This is j.vk's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 258,400 and my FI portfolio increased to EUR 110,545


Net worth

EUR 258,400

Since the last update on my net worth has increased with EUR 928 (+ 0.36 %).

FI portfolio

EUR 110,545

Since the last update on my FI portfolio has increased with EUR 136 (+ 0.12 %).

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 62,280 +590 62,870
Investments 28,247 -142 28,105
Retirement acc 19,882 -312 19,570
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 430,409 +136 430,545

Mortgage 172,937 -792 172,145
Other debt 0 0 0
Total debt 172,937 -792 172,145
Change
Cash 61,680 +1,190 62,870
Investments 29,661 -1,556 28,105
Retirement acc 20,528 -958 19,570
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 431,869 -1,324 430,545

Mortgage 173,725 -1,580 172,145
Other debt 0 0 0
Total debt 173,725 -1,580 172,145
Change
Cash 61,680 +1,190 62,870
Investments 29,661 -1,556 28,105
Retirement acc 20,528 -958 19,570
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 431,869 -1,324 430,545

Mortgage 173,725 -1,580 172,145
Other debt 0 0 0
Total debt 173,725 -1,580 172,145

I am now 11.1% on my way to achive my FIRE target of EUR 1,000,000. This is 0.0 percentage points closer, compared to the last net worth update.

EUR 110,545 FIRE target: EUR 1,000,000


11.1%

FI portfolio

My FI portfolio now consists of EUR 28,105 (25.4%) in investments, EUR 19,570 (17.7%) in retirement accounts, and EUR 62,870 (56.9%) in cash.

Investments

Since my last update, my investments decreased with EUR -142 (-0.5%), of which EUR 900 was from contributions, and EUR -261 was from returns.

Since I started tracking, my total contributions have been EUR 5,900, and my total return has been EUR -1,503.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -312 (-1.57%), of which EUR 495 was from contributions , and EUR -723 was from returns.

Since I started tracking, my total contributions have been EUR 2,970, and my total return is EUR -779.




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

If I quit working today, my monthly pay out would be EUR 368 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
368/month
(4.0% SWR)
322/month
(3.5% SWR)
276/month
(3.0% SWR)


When can I retire?

FI date

My age

53

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

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 20 years and 2 months, in , and at that time I will be 53 years old.

By that time I will have invested/saved another EUR 132,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 757,455


Financial independence forecast