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Net worth update per


This is whale13's #26 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 388,359 and my FI portfolio increased to EUR 52,317


Net worth

EUR 388,359

Since the last update on my net worth has increased with EUR 3,420 (+ 0.89 %).

FI portfolio

EUR 52,317

Since the last update on my FI portfolio has increased with EUR 2,954 (+ 5.98 %).

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 7,400 +2,600 10,000
Investments 32,858 +354 33,212
Retirement acc 9,105 0 9,105
Real estate 513,500 0 513,500
Other assets 5,000 0 5,000
Total assets 567,863 +2,954 570,817

Mortgage 182,924 -466 182,458
Other debt 0 0 0
Total debt 182,924 -466 182,458
Change
Cash 13,200 -3,200 10,000
Investments 31,005 +2,207 33,212
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 +72,507 570,817

Mortgage 194,887 -12,429 182,458
Other debt 0 0 0
Total debt 194,887 -12,429 182,458
Change
Cash 11,000 -1,000 10,000
Investments 4,645 +28,567 33,212
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 +167,269 570,817

Mortgage 216,000 -33,542 182,458
Other debt 0 0 0
Total debt 216,000 -33,542 182,458

I am now 11.6% on my way to achive my FIRE target of EUR 450,000. This is 0.7 percentage points closer, compared to the last net worth update.

EUR 52,317 FIRE target: EUR 450,000


11.6%

FI portfolio

My FI portfolio now consists of EUR 33,212 (63.5%) in investments, EUR 9,105 (17.4%) in retirement accounts, and EUR 10,000 (19.1%) in cash.

Investments

Since my last update, my investments increased with EUR 354 (1.08%).

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 174 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
174/month
(4.0% SWR)
152/month
(3.5% SWR)
130/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 11 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another EUR 217,500, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 180,183


Financial independence forecast