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Net worth update per


This is Nopius's #32 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 499,887 and my FI portfolio increased to EUR 249,827


Net worth

EUR 499,887

Since the last update on my net worth has increased with EUR 6,486 (+ 1.31 %).

FI portfolio

EUR 249,827

Since the last update on my FI portfolio has increased with EUR 5,794 (+ 2.37 %).

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 131,300 +200 131,500
Investments 92,113 +5,429 97,542
Retirement acc 20,620 +165 20,785
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 544,033 +5,794 549,827

Mortgage 50,632 -692 49,940
Other debt 0 0 0
Total debt 50,632 -692 49,940
Change
Cash 135,200 -3,700 131,500
Investments 75,829 +21,713 97,542
Retirement acc 19,795 +990 20,785
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 530,824 +19,003 549,827

Mortgage 54,082 -4,142 49,940
Other debt 0 0 0
Total debt 54,082 -4,142 49,940
Change
Cash 93,450 +38,050 131,500
Investments 17,822 +79,720 97,542
Retirement acc 10,120 +10,665 20,785
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +128,435 549,827

Mortgage 95,590 -45,650 49,940
Other debt 0 0 0
Total debt 95,590 -45,650 49,940

I am now 25.0% on my way to achive my FIRE target of EUR 1,000,000. This is 0.6 percentage points closer, compared to the last net worth update.

EUR 249,827 FIRE target: EUR 1,000,000


25.0%

FI portfolio

My FI portfolio now consists of EUR 97,542 (39.0%) in investments, EUR 20,785 (8.3%) in retirement accounts, and EUR 131,500 (52.6%) in cash.

Investments

Since my last update, my investments increased with EUR 5,429 (5.89%), 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 (0.8%), 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 832 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
832/month
(4.0% SWR)
728/month
(3.5% SWR)
624/month
(3.0% SWR)


When can I retire?

FI date

My age

57

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 5 months, in , and at that time I will be 57 years old.

By that time I will have invested/saved another EUR 256,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 494,173


Financial independence forecast