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Net worth update per


This is firecycling3's #32 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 112,131 and my FI portfolio increased to EUR 110,931


Net worth

EUR 112,131

Since the last update on my net worth has increased with EUR 21,330 (+ 23.49 %).

FI portfolio

EUR 110,931

Since the last update on my FI portfolio has increased with EUR 21,630 (+ 24.22 %).

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 18,371 -9,871 8,500
Investments 33,681 +9,619 43,300
Retirement acc 37,249 +21,882 59,131
Real estate 0 0 0
Other assets 1,500 -300 1,200
Total assets 90,801 +21,330 112,131

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 18,371 -9,871 8,500
Investments 33,681 +9,619 43,300
Retirement acc 37,249 +21,882 59,131
Real estate 0 0 0
Other assets 1,500 -300 1,200
Total assets 90,801 +21,330 112,131

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 6,378 +2,122 8,500
Investments 500 +42,800 43,300
Retirement acc 0 +59,131 59,131
Real estate 0 0 0
Other assets 2,120 -920 1,200
Total assets 8,998 +103,133 112,131

Mortgage 0 0 0
Other debt 329 -329 0
Total debt 329 -329 0

I am now 11.1% on my way to achive my FIRE target of EUR 1,000,000. This is 2.2 percentage points closer, compared to the last net worth update.

EUR 110,931 FIRE target: EUR 1,000,000


11.1%

FI portfolio

My FI portfolio now consists of EUR 43,300 (39.0%) in investments, EUR 59,131 (53.3%) in retirement accounts, and EUR 8,500 (7.7%) in cash.

Investments

Since my last update, my investments increased with EUR 9,619 (28.56%).

Since I started tracking, my total contributions have been EUR 30,872, and my total return has been EUR 11,928.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 21,882 (58.75%).

Since I started tracking, my total contributions have been EUR 18,729, and my total return is EUR 40,402.




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

If I quit working today, my monthly pay out would be EUR 369 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
369/month
(4.0% SWR)
323/month
(3.5% SWR)
277/month
(3.0% SWR)


When can I retire?

FI date

My age

47

I am currently aiming to save/invest approximately EUR 1,800 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 10 years and 10 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 288,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 601,069


Financial independence forecast