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Net worth update per


This is TumTumTuuum's #32 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 145,775 and my FI portfolio increased to EUR 98,132


Net worth

EUR 145,775

Since the last update on my net worth has increased with EUR 17,943 (+ 14.04 %).

FI portfolio

EUR 98,132

Since the last update on my FI portfolio has increased with EUR 15,150 (+ 18.26 %).

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 37,200 -24,627 12,573
Investments 37,819 +39,830 77,649
Retirement acc 7,963 -53 7,910
Real estate 85,000 0 85,000
Other assets 19,171 -577 18,594
Total assets 187,153 +14,573 201,726

Mortgage 53,710 -432 53,278
Other debt 5,611 -2,938 2,673
Total debt 59,321 -3,370 55,951
Change
Cash 29,418 -16,845 12,573
Investments 35,162 +42,487 77,649
Retirement acc 7,656 +254 7,910
Real estate 85,000 0 85,000
Other assets 20,079 -1,485 18,594
Total assets 177,315 +24,411 201,726

Mortgage 53,457 -179 53,278
Other debt 3,168 -495 2,673
Total debt 56,625 -674 55,951
Change
Cash 1,230 +11,343 12,573
Investments 22,554 +55,095 77,649
Retirement acc 5,536 +2,374 7,910
Real estate 82,013 + 2,987 85,000
Other assets 1,025 + 17,569 18,594
Total assets 112,358 +89,368 201,726

Mortgage 56,834 -3,556 53,278
Other debt 2,768 -95 2,673
Total debt 59,602 -3,651 55,951

I am now 3.9% on my way to achive my FIRE target of EUR 2,500,000. This is 0.6 percentage points closer, compared to the last net worth update.

EUR 98,132 FIRE target: EUR 2,500,000


3.9%

FI portfolio

My FI portfolio now consists of EUR 77,649 (79.1%) in investments, EUR 7,910 (8.1%) in retirement accounts, and EUR 12,573 (12.8%) in cash.

Investments

Since my last update, my investments increased with EUR 39,830 (105.32%).

Since I started tracking, my total contributions have been EUR 140,978, and my total return has been EUR 22,652.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -53 (-0.67%), of which EUR 4,500 was from contributions , and EUR -4,502 was from returns.

Since I started tracking, my total contributions have been EUR 6,089, and my total return is EUR -2,381.




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

If I quit working today, my monthly pay out would be EUR 327 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
327/month
(4.0% SWR)
286/month
(3.5% SWR)
245/month
(3.0% SWR)


When can I retire?

FI date

My age

47

I am currently aiming to save/invest approximately EUR 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 2,500,000 in 14 years and 3 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 1,182,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,219,868


Financial independence forecast