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Net worth update per


This is TumTumTuuum's #24 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 107,233 and my FI portfolio decreased to EUR 58,143


Net worth

EUR 107,233

Since the last update on my net worth has increased with EUR 8,844 (+ 8.99 %).

FI portfolio

EUR 58,143

Since the last update on my FI portfolio has decreased with EUR -2,886 ( -4.73 %).

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 18,984 -6,604 12,380
Investments 34,457 +3,693 38,150
Retirement acc 7,588 +25 7,613
Real estate 85,000 0 85,000
Other assets 9,718 + 11,049 20,767
Total assets 155,747 +8,163 163,910

Mortgage 53,998 104 54,102
Other debt 3,360 -785 2,575
Total debt 57,358 -681 56,677
Change
Cash 13,533 -1,153 12,380
Investments 35,123 +3,027 38,150
Retirement acc 7,645 -32 7,613
Real estate 85,033 -33 85,000
Other assets 8,936 + 11,831 20,767
Total assets 150,270 +13,640 163,910

Mortgage 54,391 -289 54,102
Other debt 3,050 -475 2,575
Total debt 57,441 -764 56,677
Change
Cash 1,230 +11,150 12,380
Investments 22,554 +15,596 38,150
Retirement acc 5,536 +2,077 7,613
Real estate 82,013 + 2,987 85,000
Other assets 1,025 + 19,742 20,767
Total assets 112,358 +51,552 163,910

Mortgage 56,834 -2,732 54,102
Other debt 2,768 -193 2,575
Total debt 59,602 -2,925 56,677

I am now 2.3% on my way to achive my FIRE target of EUR 2,500,000. This is -0.1 percentage points closer, compared to the last net worth update.

EUR 58,143 FIRE target: EUR 2,500,000


2.3%

FI portfolio

My FI portfolio now consists of EUR 38,150 (65.6%) in investments, EUR 7,613 (13.1%) in retirement accounts, and EUR 12,380 (21.3%) in cash.

Investments

Since my last update, my investments increased with EUR 3,693 (10.72%).

Since I started tracking, my total contributions have been EUR 140,978, and my total return has been EUR 22,652.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 25 (0.33%), of which EUR 4,500 was from contributions , and EUR -4,502 was from returns.

Since I started tracking, my total contributions have been EUR 6,089, and my total return is EUR -2,381.




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

If I quit working today, my monthly pay out would be EUR 193 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
193/month
(4.0% SWR)
169/month
(3.5% SWR)
145/month
(3.0% SWR)


When can I retire?

FI date

My age

47

I am currently aiming to save/invest approximately EUR 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 2,500,000 in 14 years and 1 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 1,218,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,223,857


Financial independence forecast