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Net worth update per


This is holisticRhino3's #33 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 49,644 and my FI portfolio decreased to EUR 47,494


Net worth

EUR 49,644

Since the last update on my net worth has decreased with EUR -1,031 ( -2.03 %).

FI portfolio

EUR 47,494

Since the last update on my FI portfolio has decreased with EUR -1,031 ( -2.12 %).

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 29,800 -4,893 24,907
Investments 18,725 +3,862 22,587
Retirement acc 0 0 0
Real estate 0 0 0
Other assets 2,150 0 2,150
Total assets 50,675 -1,031 49,644

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 900 +24,007 24,907
Investments 13,258 +9,329 22,587
Retirement acc 0 0 0
Real estate 0 0 0
Other assets 2,150 0 2,150
Total assets 16,308 +33,336 49,644

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 100 +24,807 24,907
Investments 900 +21,687 22,587
Retirement acc 0 0 0
Real estate 0 0 0
Other assets 1,000 + 1,150 2,150
Total assets 2,000 +47,644 49,644

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 5.9% on my way to achive my FIRE target of EUR 800,000. This is -0.1 percentage points closer, compared to the last net worth update.

EUR 47,494 FIRE target: EUR 800,000


5.9%

FI portfolio

My FI portfolio now consists of EUR 22,587 (47.6%) in investments, and EUR 24,907 (52.4%) in cash.

Investments

Since my last update, my investments increased with EUR 3,862 (20.62%), of which EUR 3,700 was from contributions, and EUR -2,420 was from returns.

Since I started tracking, my total contributions have been EUR 56,644, and my total return has been EUR 10,856.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR 0 (0%), of which EUR 400 was from contributions , and EUR -1,420 was from returns.

Since I started tracking, my total contributions have been EUR 11,968, and my total return is EUR 282.




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

If I quit working today, my monthly pay out would be EUR 158 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
158/month
(4.0% SWR)
138/month
(3.5% SWR)
118/month
(3.0% SWR)


When can I retire?

FI date

My age

36

I am currently aiming to save/invest approximately EUR 2,150 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 800,000 in 10 years and 5 months, in , and at that time I will be 36 years old.

By that time I will have invested/saved another EUR 335,400, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 417,106


Financial independence forecast