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Net worth update per


This is Nopius's #29 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 483,362 and my FI portfolio increased to EUR 236,066


Net worth

EUR 483,362

Since the last update on my net worth has increased with EUR 2,625 (+ 0.55 %).

FI portfolio

EUR 236,066

Since the last update on my FI portfolio has increased with EUR 1,936 (+ 0.83 %).

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 135,500 -4,800 130,700
Investments 78,670 +6,571 85,241
Retirement acc 19,960 +165 20,125
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 534,130 +1,936 536,066

Mortgage 53,393 -689 52,704
Other debt 0 0 0
Total debt 53,393 -689 52,704
Change
Cash 135,200 -4,500 130,700
Investments 75,829 +9,412 85,241
Retirement acc 19,795 +330 20,125
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 530,824 +5,242 536,066

Mortgage 54,082 -1,378 52,704
Other debt 0 0 0
Total debt 54,082 -1,378 52,704
Change
Cash 93,450 +37,250 130,700
Investments 17,822 +67,419 85,241
Retirement acc 10,120 +10,005 20,125
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +114,674 536,066

Mortgage 95,590 -42,886 52,704
Other debt 0 0 0
Total debt 95,590 -42,886 52,704

I am now 23.6% on my way to achive my FIRE target of EUR 1,000,000. This is 0.2 percentage points closer, compared to the last net worth update.

EUR 236,066 FIRE target: EUR 1,000,000


23.6%

FI portfolio

My FI portfolio now consists of EUR 85,241 (36.1%) in investments, EUR 20,125 (8.5%) in retirement accounts, and EUR 130,700 (55.4%) in cash.

Investments

Since my last update, my investments increased with EUR 6,571 (8.35%), 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 (0.83%), 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 786 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
786/month
(4.0% SWR)
688/month
(3.5% SWR)
590/month
(3.0% SWR)


When can I retire?

FI date

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 19 years and 9 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another EUR 264,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 499,934


Financial independence forecast