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Net worth update per


This is Nopius's #25 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 470,275 and my FI portfolio decreased to EUR 225,732


Net worth

EUR 470,275

Since the last update on my net worth has increased with EUR 202 (+ 0.04 %).

FI portfolio

EUR 225,732

Since the last update on my FI portfolio has decreased with EUR -485 ( -0.21 %).

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 135,850 +250 136,100
Investments 71,067 -900 70,167
Retirement acc 19,300 +165 19,465
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 526,217 -485 525,732

Mortgage 56,144 -687 55,457
Other debt 0 0 0
Total debt 56,144 -687 55,457
Change
Cash 132,050 +4,050 136,100
Investments 55,478 +14,689 70,167
Retirement acc 17,980 +1,485 19,465
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 505,508 +20,224 525,732

Mortgage 62,293 -6,836 55,457
Other debt 0 0 0
Total debt 62,293 -6,836 55,457
Change
Cash 93,450 +42,650 136,100
Investments 17,822 +52,345 70,167
Retirement acc 10,120 +9,345 19,465
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +104,340 525,732

Mortgage 95,590 -40,133 55,457
Other debt 0 0 0
Total debt 95,590 -40,133 55,457

I am now 22.6% 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 225,732 FIRE target: EUR 1,000,000


22.6%

FI portfolio

My FI portfolio now consists of EUR 70,167 (31.1%) in investments, EUR 19,465 (8.6%) in retirement accounts, and EUR 136,100 (60.3%) in cash.

Investments

Since my last update, my investments decreased with EUR -900 (-1.27%).

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 (0.85%), 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 752 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
752/month
(4.0% SWR)
658/month
(3.5% SWR)
564/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 2 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another EUR 273,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 501,268


Financial independence forecast