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Net worth update per


This is TumTumTuuum's #41 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 206,567 and my FI portfolio increased to EUR 144,948


Net worth

EUR 206,567

Since the last update on my net worth has increased with EUR 6,510 (+ 3.25 %).

FI portfolio

EUR 144,948

Since the last update on my FI portfolio has increased with EUR 3,586 (+ 2.54 %).

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 17,460 +799 18,259
Investments 115,917 +2,792 118,709
Retirement acc 7,985 -5 7,980
Real estate 90,000 0 90,000
Other assets 43,109 -575 42,534
Total assets 274,471 +3,011 277,482

Mortgage 52,454 -181 52,273
Other debt 21,960 -3,318 18,642
Total debt 74,414 -3,499 70,915
Change
Cash 17,460 +799 18,259
Investments 115,917 +2,792 118,709
Retirement acc 7,985 -5 7,980
Real estate 90,000 0 90,000
Other assets 43,109 -575 42,534
Total assets 274,471 +3,011 277,482

Mortgage 52,454 -181 52,273
Other debt 21,960 -3,318 18,642
Total debt 74,414 -3,499 70,915
Change
Cash 1,230 +17,029 18,259
Investments 22,554 +96,155 118,709
Retirement acc 5,536 +2,444 7,980
Real estate 82,013 + 7,987 90,000
Other assets 1,025 + 41,509 42,534
Total assets 112,358 +165,124 277,482

Mortgage 56,834 -4,561 52,273
Other debt 2,768 + 15,874 18,642
Total debt 59,602 + 11,313 70,915

I am now 5.8% on my way to achive my FIRE target of EUR 2,500,000. This is 0.1 percentage points closer, compared to the last net worth update.

EUR 144,948 FIRE target: EUR 2,500,000


5.8%

FI portfolio

My FI portfolio now consists of EUR 118,709 (81.9%) in investments, EUR 7,980 (5.5%) in retirement accounts, and EUR 18,259 (12.6%) in cash.

Investments

Since my last update, my investments increased with EUR 2,792 (2.41%).

Since I started tracking, my total contributions have been EUR 140,978, and my total return has been EUR 22,652.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -5 (-0.06%), of which EUR 4,500 was from contributions , and EUR -4,502 was from returns.

Since I started tracking, my total contributions have been EUR 6,089, and my total return is EUR -2,381.




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

If I quit working today, my monthly pay out would be EUR 483 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
483/month
(4.0% SWR)
422/month
(3.5% SWR)
362/month
(3.0% SWR)


When can I retire?

FI date

My age

48

I am currently aiming to save/invest approximately EUR 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 2,500,000 in 14 years and 7 months, in , and at that time I will be 48 years old.

By that time I will have invested/saved another EUR 1,146,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,209,052


Financial independence forecast