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Net worth update per


This is Nopius's #34 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 505,734 and my FI portfolio increased to EUR 253,594


Net worth

EUR 505,734

Since the last update on my net worth has increased with EUR 3,093 (+ 0.62 %).

FI portfolio

EUR 253,594

Since the last update on my FI portfolio has increased with EUR 2,399 (+ 0.96 %).

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 130,000 -9,800 120,200
Investments 100,080 +12,034 112,114
Retirement acc 21,115 +165 21,280
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 551,195 +2,399 553,594

Mortgage 48,554 -694 47,860
Other debt 0 0 0
Total debt 48,554 -694 47,860
Change
Cash 135,200 -15,000 120,200
Investments 75,829 +36,285 112,114
Retirement acc 19,795 +1,485 21,280
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 530,824 +22,770 553,594

Mortgage 54,082 -6,222 47,860
Other debt 0 0 0
Total debt 54,082 -6,222 47,860
Change
Cash 93,450 +26,750 120,200
Investments 17,822 +94,292 112,114
Retirement acc 10,120 +11,160 21,280
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +132,202 553,594

Mortgage 95,590 -47,730 47,860
Other debt 0 0 0
Total debt 95,590 -47,730 47,860

I am now 25.4% 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 253,594 FIRE target: EUR 1,000,000


25.4%

FI portfolio

My FI portfolio now consists of EUR 112,114 (44.2%) in investments, EUR 21,280 (8.4%) in retirement accounts, and EUR 120,200 (47.4%) in cash.

Investments

Since my last update, my investments increased with EUR 12,034 (12.02%), of which EUR 1,500 was from contributions, and EUR 9,691 was from returns.

Since I started tracking, my total contributions have been EUR 160,499, and my total return has been EUR 56,687.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 165 (0.78%), of which EUR 330 was from contributions , and EUR 0 was from returns.

Since I started tracking, my total contributions have been EUR 15,127, 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 845 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
845/month
(4.0% SWR)
739/month
(3.5% SWR)
633/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 18 years and 9 months, in , and at that time I will be 57 years old.

By that time I will have invested/saved another EUR 251,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 495,406


Financial independence forecast