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Net worth update per


This is j.vk's #11 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 275,929 and my FI portfolio increased to EUR 121,358


Net worth

EUR 275,929

Since the last update on my net worth has increased with EUR 1,668 (+ 0.61 %).

FI portfolio

EUR 121,358

Since the last update on my FI portfolio has increased with EUR 557 (+ 0.46 %).

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 68,330 +880 69,210
Investments 30,649 +117 30,766
Retirement acc 21,822 -440 21,382
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 440,801 +557 441,358

Mortgage 166,540 -1,111 165,429
Other debt 0 0 0
Total debt 166,540 -1,111 165,429
Change
Cash 67,900 +1,310 69,210
Investments 29,038 +1,728 30,766
Retirement acc 20,785 +597 21,382
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 437,723 +3,635 441,358

Mortgage 168,153 -2,724 165,429
Other debt 0 0 0
Total debt 168,153 -2,724 165,429
Change
Cash 61,680 +7,530 69,210
Investments 29,661 +1,105 30,766
Retirement acc 20,528 +854 21,382
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 431,869 +9,489 441,358

Mortgage 173,725 -8,296 165,429
Other debt 0 0 0
Total debt 173,725 -8,296 165,429

I am now 12.1% on my way to achive my FIRE target of EUR 1,000,000. This is 0.1 percentage points closer, compared to the last net worth update.

EUR 121,358 FIRE target: EUR 1,000,000


12.1%

FI portfolio

My FI portfolio now consists of EUR 30,766 (25.4%) in investments, EUR 21,382 (17.6%) in retirement accounts, and EUR 69,210 (57.0%) in cash.

Investments

Since my last update, my investments increased with EUR 117 (0.38%), of which EUR 900 was from contributions, and EUR -261 was from returns.

Since I started tracking, my total contributions have been EUR 5,900, and my total return has been EUR -1,503.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -440 (-2.02%), of which EUR 495 was from contributions , and EUR -723 was from returns.

Since I started tracking, my total contributions have been EUR 2,970, and my total return is EUR -779.




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

If I quit working today, my monthly pay out would be EUR 404 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
404/month
(4.0% SWR)
353/month
(3.5% SWR)
303/month
(3.0% SWR)


When can I retire?

FI date

My age

54

I am currently aiming to save/invest approximately EUR 500 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 20 years and 4 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another EUR 129,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 749,642


Financial independence forecast