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This is j.vk's #17 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 291,414 and my FI portfolio increased to EUR 130,577


Net worth

EUR 291,414

Since the last update on my net worth has increased with EUR 2,811 (+ 0.97 %).

FI portfolio

EUR 130,577

Since the last update on my FI portfolio has increased with EUR 331 (+ 0.25 %).

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 73,880 -80 73,800
Investments 33,419 +639 34,058
Retirement acc 22,947 -228 22,719
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 450,246 +331 450,577

Mortgage 161,643 -2,480 159,163
Other debt 0 0 0
Total debt 161,643 -2,480 159,163
Change
Cash 67,900 +5,900 73,800
Investments 29,038 +5,020 34,058
Retirement acc 20,785 +1,934 22,719
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 437,723 +12,854 450,577

Mortgage 168,153 -8,990 159,163
Other debt 0 0 0
Total debt 168,153 -8,990 159,163
Change
Cash 61,680 +12,120 73,800
Investments 29,661 +4,397 34,058
Retirement acc 20,528 +2,191 22,719
Real estate 320,000 0 320,000
Other assets 0 0 0
Total assets 431,869 +18,708 450,577

Mortgage 173,725 -14,562 159,163
Other debt 0 0 0
Total debt 173,725 -14,562 159,163

I am now 13.1% on my way to achive my FIRE target of EUR 1,000,000. This is 0.0 percentage points closer, compared to the last net worth update.

EUR 130,577 FIRE target: EUR 1,000,000


13.1%

FI portfolio

My FI portfolio now consists of EUR 34,058 (26.1%) in investments, EUR 22,719 (17.4%) in retirement accounts, and EUR 73,800 (56.5%) in cash.

Investments

Since my last update, my investments increased with EUR 639 (1.91%), 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 decreased with EUR -228 (-0.99%), 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 435 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
435/month
(4.0% SWR)
380/month
(3.5% SWR)
326/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 6 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another EUR 126,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 743,423


Financial independence forecast