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Net worth update per


This is whale13's #23 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 303,423 and my FI portfolio increased to EUR 53,310


Net worth

EUR 303,423

Since the last update on my net worth has increased with EUR 3,617 (+ 1.21 %).

FI portfolio

EUR 53,310

Since the last update on my FI portfolio has increased with EUR 3,126 (+ 6.23 %).

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 10,200 +3,000 13,200
Investments 30,879 +126 31,005
Retirement acc 9,105 0 9,105
Real estate 440,000 0 440,000
Other assets 5,000 0 5,000
Total assets 495,184 +3,126 498,310

Mortgage 195,378 -491 194,887
Other debt 0 0 0
Total debt 195,378 -491 194,887
Change
Cash 14,300 -1,100 13,200
Investments 26,824 +4,181 31,005
Retirement acc 7,903 +1,202 9,105
Real estate 440,000 0 440,000
Other assets 5,000 0 5,000
Total assets 494,027 +4,283 498,310

Mortgage 210,310 -15,423 194,887
Other debt 0 0 0
Total debt 210,310 -15,423 194,887
Change
Cash 11,000 +2,200 13,200
Investments 4,645 +26,360 31,005
Retirement acc 7,903 +1,202 9,105
Real estate 375,000 + 65,000 440,000
Other assets 5,000 0 5,000
Total assets 403,548 +94,762 498,310

Mortgage 216,000 -21,113 194,887
Other debt 0 0 0
Total debt 216,000 -21,113 194,887

I am now 11.8% on my way to achive my FIRE target of EUR 450,000. This is 0.7 percentage points closer, compared to the last net worth update.

EUR 53,310 FIRE target: EUR 450,000


11.8%

FI portfolio

My FI portfolio now consists of EUR 31,005 (58.2%) in investments, EUR 9,105 (17.1%) in retirement accounts, and EUR 13,200 (24.8%) in cash.

Investments

Since my last update, my investments increased with EUR 126 (0.41%).

Since I started tracking, my total contributions have been EUR 5,500, and my total return has been EUR 25,434.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR 0 (0.0%).

Since I started tracking, my total contributions have been EUR 0, and my total return is EUR 1,202.




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

If I quit working today, my monthly pay out would be EUR 177 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
177/month
(4.0% SWR)
155/month
(3.5% SWR)
133/month
(3.0% SWR)


When can I retire?

FI date

My age

48

I am currently aiming to save/invest approximately EUR 1,500 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 450,000 in 10 years and 7 months, in , and at that time I will be 48 years old.

By that time I will have invested/saved another EUR 217,500, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 179,190


Financial independence forecast