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Net worth update per


This is holisticRhino3's #46 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 62,462 and my FI portfolio increased to EUR 42,664


Net worth

EUR 62,462

Since the last update on my net worth has increased with EUR 1,292 (+ 2.11 %).

FI portfolio

EUR 42,664

Since the last update on my FI portfolio has increased with EUR 1,186 (+ 2.86 %).

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 6,307 -107 6,200
Investments 34,354 +1,189 35,543
Retirement acc 817 +104 921
Real estate 115,000 0 115,000
Other assets 2,150 0 2,150
Total assets 158,628 +1,186 159,814

Mortgage 97,458 -106 97,352
Other debt 0 0 0
Total debt 97,458 -106 97,352
Change
Cash 7,223 -1,023 6,200
Investments 27,759 +7,784 35,543
Retirement acc 149 +772 921
Real estate 115,000 0 115,000
Other assets 2,150 0 2,150
Total assets 152,281 +7,533 159,814

Mortgage 97,750 -398 97,352
Other debt 0 0 0
Total debt 97,750 -398 97,352
Change
Cash 100 +6,100 6,200
Investments 900 +34,643 35,543
Retirement acc 0 +921 921
Real estate 0 + 115,000 115,000
Other assets 1,000 + 1,150 2,150
Total assets 2,000 +157,814 159,814

Mortgage 0 97,352 97,352
Other debt 0 0 0
Total debt 0 + 97,352 97,352

I am now 5.3% on my way to achive my FIRE target of EUR 800,000. This is 0.1 percentage points closer, compared to the last net worth update.

EUR 42,664 FIRE target: EUR 800,000


5.3%

FI portfolio

My FI portfolio now consists of EUR 35,543 (83.3%) in investments, EUR 921 (2.2%) in retirement accounts, and EUR 6,200 (14.5%) in cash.

Investments

Since my last update, my investments increased with EUR 1,189 (3.46%), of which EUR 4,800 was from contributions, and EUR 7,662 was from returns.

Since I started tracking, my total contributions have been EUR 67,844, and my total return has been EUR 20,568.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 104 (12.73%), of which EUR 438 was from contributions , and EUR 1,120 was from returns.

Since I started tracking, my total contributions have been EUR 13,364, and my total return is EUR 1,945.




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

If I quit working today, my monthly pay out would be EUR 142 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
142/month
(4.0% SWR)
124/month
(3.5% SWR)
106/month
(3.0% SWR)


When can I retire?

FI date

My age

36

I am currently aiming to save/invest approximately EUR 2,150 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 800,000 in 10 years and 5 months, in , and at that time I will be 36 years old.

By that time I will have invested/saved another EUR 328,950, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 428,386


Financial independence forecast