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Net worth update per


This is whale13's #25 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 384,939 and my FI portfolio increased to EUR 49,363


Net worth

EUR 384,939

Since the last update on my net worth has increased with EUR 78,515 (+ 25.62 %).

FI portfolio

EUR 49,363

Since the last update on my FI portfolio has increased with EUR 4,037 (+ 8.91 %).

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 5,000 +2,400 7,400
Investments 31,221 +1,637 32,858
Retirement acc 9,105 0 9,105
Real estate 440,000 + 73,500 513,500
Other assets 5,000 0 5,000
Total assets 490,326 +77,537 567,863

Mortgage 183,902 -978 182,924
Other debt 0 0 0
Total debt 183,902 -978 182,924
Change
Cash 13,200 -5,800 7,400
Investments 31,005 +1,853 32,858
Retirement acc 9,105 0 9,105
Real estate 440,000 + 73,500 513,500
Other assets 5,000 0 5,000
Total assets 498,310 +69,553 567,863

Mortgage 194,887 -11,963 182,924
Other debt 0 0 0
Total debt 194,887 -11,963 182,924
Change
Cash 11,000 -3,600 7,400
Investments 4,645 +28,213 32,858
Retirement acc 7,903 +1,202 9,105
Real estate 375,000 + 138,500 513,500
Other assets 5,000 0 5,000
Total assets 403,548 +164,315 567,863

Mortgage 216,000 -33,076 182,924
Other debt 0 0 0
Total debt 216,000 -33,076 182,924

I am now 11.0% on my way to achive my FIRE target of EUR 450,000. This is 0.9 percentage points closer, compared to the last net worth update.

EUR 49,363 FIRE target: EUR 450,000


11.0%

FI portfolio

My FI portfolio now consists of EUR 32,858 (66.6%) in investments, EUR 9,105 (18.4%) in retirement accounts, and EUR 7,400 (15.0%) in cash.

Investments

Since my last update, my investments increased with EUR 1,637 (5.24%).

Since I started tracking, my total contributions have been EUR 5,500, and my total return has been EUR 32,913.

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 4,947.




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

If I quit working today, my monthly pay out would be EUR 164 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
164/month
(4.0% SWR)
143/month
(3.5% SWR)
123/month
(3.0% SWR)


When can I retire?

FI date

My age

49

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 9 years and 4 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another EUR 219,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 181,637


Financial independence forecast