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Net worth update per


This is TumTumTuuum's #25 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 105,768 and my FI portfolio increased to EUR 62,648


Net worth

EUR 105,768

Since the last update on my net worth has decreased with EUR -1,465 ( -1.37 %).

FI portfolio

EUR 62,648

Since the last update on my FI portfolio has increased with EUR 4,505 (+ 7.75 %).

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 12,380 +5,223 17,603
Investments 38,150 -883 37,267
Retirement acc 7,613 +165 7,778
Real estate 85,000 0 85,000
Other assets 20,767 -226 20,541
Total assets 163,910 +4,279 168,189

Mortgage 54,102 1,098 55,200
Other debt 2,575 + 4,646 7,221
Total debt 56,677 + 5,744 62,421
Change
Cash 13,533 +4,070 17,603
Investments 35,123 +2,144 37,267
Retirement acc 7,645 +133 7,778
Real estate 85,033 -33 85,000
Other assets 8,936 + 11,605 20,541
Total assets 150,270 +17,919 168,189

Mortgage 54,391 809 55,200
Other debt 3,050 + 4,171 7,221
Total debt 57,441 + 4,980 62,421
Change
Cash 1,230 +16,373 17,603
Investments 22,554 +14,713 37,267
Retirement acc 5,536 +2,242 7,778
Real estate 82,013 + 2,987 85,000
Other assets 1,025 + 19,516 20,541
Total assets 112,358 +55,831 168,189

Mortgage 56,834 -1,634 55,200
Other debt 2,768 + 4,453 7,221
Total debt 59,602 + 2,819 62,421

I am now 2.5% on my way to achive my FIRE target of EUR 2,500,000. This is 0.2 percentage points closer, compared to the last net worth update.

EUR 62,648 FIRE target: EUR 2,500,000


2.5%

FI portfolio

My FI portfolio now consists of EUR 37,267 (59.5%) in investments, EUR 7,778 (12.4%) in retirement accounts, and EUR 17,603 (28.1%) in cash.

Investments

Since my last update, my investments decreased with EUR -883 (-2.31%).

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 165 (2.17%), 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 208 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
208/month
(4.0% SWR)
182/month
(3.5% SWR)
156/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 3 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 1,219,352


Financial independence forecast