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Net worth update per November 7th 2022


This is Nopius's #26 net worth update. Please check out my profile here for more information. As of November 7th 2022, my net worth increased to EUR 473,883 and my FI portfolio increased to EUR 228,653


Net worth

EUR 473,883

Since the last update on October 5th 2022 my net worth has increased with EUR 3,608 (+ 0.77 %).

FI portfolio

EUR 228,653

Since the last update on October 5th 2022 my FI portfolio has increased with EUR 2,921 (+ 1.29 %).

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.
5 Oct 22 Change 7 Nov 22
Cash 136,100 -1,100 135,000
Investments 70,167 +3,856 74,023
Retirement acc 19,465 +165 19,630
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 525,732 +2,921 528,653

Mortgage 55,457 -687 54,770
Other debt 0 0 0
Total debt 55,457 -687 54,770
8 Dec 21 Change 7 Nov 22
Cash 132,050 +2,950 135,000
Investments 55,478 +18,545 74,023
Retirement acc 17,980 +1,650 19,630
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 505,508 +23,145 528,653

Mortgage 62,293 -7,523 54,770
Other debt 0 0 0
Total debt 62,293 -7,523 54,770
1 Jan 18 Change 7 Nov 22
Cash 93,450 +41,550 135,000
Investments 17,822 +56,201 74,023
Retirement acc 10,120 +9,510 19,630
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +107,261 528,653

Mortgage 95,590 -40,820 54,770
Other debt 0 0 0
Total debt 95,590 -40,820 54,770

I am now 22.9% on my way to achive my FIRE target of EUR 1,000,000. This is 0.3 percentage points closer, compared to the last net worth update.

EUR 228,653 FIRE target: EUR 1,000,000


22.9%

FI portfolio

My FI portfolio now consists of EUR 74,023 (32.4%) in investments, EUR 19,630 (8.6%) in retirement accounts, and EUR 135,000 (59.0%) in cash.

Investments

Since my last update, my investments increased with EUR 3,856 (5.5%), of which EUR 1,600 was from contributions, and EUR -10,927 was from returns.

Since I started tracking, my total contributions have been EUR 151,099, and my total return has been EUR 46,126.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 165 (0.85%), of which EUR 165 was from contributions , and EUR 0 was from returns.

Since I started tracking, my total contributions have been EUR 13,972, 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 762 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
762/month
(4.0% SWR)
666/month
(3.5% SWR)
571/month
(3.0% SWR)


When can I retire?

FI date

June 2045

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 20 years and 0 months, in June 2045, and at that time I will be 58 years old.

By that time I will have invested/saved another EUR 271,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 500,347


Financial independence forecast