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Net worth update per


This is j.vk's #14 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 283,814 and my FI portfolio increased to EUR 127,099


Net worth

EUR 283,814

Since the last update on my net worth has increased with EUR 2,461 (+ 0.87 %).

FI portfolio

EUR 127,099

Since the last update on my FI portfolio has increased with EUR 1,644 (+ 1.31 %).

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 71,420 +680 72,100
Investments 31,693 +455 32,148
Retirement acc 22,342 +509 22,851
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 445,455 +1,644 447,099

Mortgage 164,102 -817 163,285
Other debt 0 0 0
Total debt 164,102 -817 163,285
Change
Cash 67,900 +4,200 72,100
Investments 29,038 +3,110 32,148
Retirement acc 20,785 +2,066 22,851
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 437,723 +9,376 447,099

Mortgage 168,153 -4,868 163,285
Other debt 0 0 0
Total debt 168,153 -4,868 163,285
Change
Cash 61,680 +10,420 72,100
Investments 29,661 +2,487 32,148
Retirement acc 20,528 +2,323 22,851
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 431,869 +15,230 447,099

Mortgage 173,725 -10,440 163,285
Other debt 0 0 0
Total debt 173,725 -10,440 163,285

I am now 12.7% 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 127,099 FIRE target: EUR 1,000,000


12.7%

FI portfolio

My FI portfolio now consists of EUR 32,148 (25.3%) in investments, EUR 22,851 (18.0%) in retirement accounts, and EUR 72,100 (56.7%) in cash.

Investments

Since my last update, my investments increased with EUR 455 (1.44%), of which EUR 2,600 was from contributions, and EUR 3,029 was from returns.

Since I started tracking, my total contributions have been EUR 8,500, and my total return has been EUR 1,526.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 509 (2.28%), of which EUR 845 was from contributions , and EUR 2,851 was from returns.

Since I started tracking, my total contributions have been EUR 3,815, and my total return is EUR 2,072.




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

If I quit working today, my monthly pay out would be EUR 423 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
423/month
(4.0% SWR)
370/month
(3.5% SWR)
317/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 19 years and 3 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another EUR 127,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 745,901


Financial independence forecast