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Net worth update per


This is Nopius's #38 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 533,064 and my FI portfolio increased to EUR 276,745


Net worth

EUR 533,064

Since the last update on my net worth has increased with EUR 12,203 (+ 2.34 %).

FI portfolio

EUR 276,745

Since the last update on my FI portfolio has increased with EUR 10,807 (+ 4.06 %).

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 119,500 -9,600 109,900
Investments 124,498 +20,077 144,575
Retirement acc 21,940 +330 22,270
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 565,938 +10,807 576,745

Mortgage 45,077 -1,396 43,681
Other debt 0 0 0
Total debt 45,077 -1,396 43,681
Change
Cash 118,600 -8,700 109,900
Investments 111,864 +32,711 144,575
Retirement acc 21,610 +660 22,270
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 552,074 +24,671 576,745

Mortgage 46,470 -2,789 43,681
Other debt 0 0 0
Total debt 46,470 -2,789 43,681
Change
Cash 93,450 +16,450 109,900
Investments 17,822 +126,753 144,575
Retirement acc 10,120 +12,150 22,270
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +155,353 576,745

Mortgage 95,590 -51,909 43,681
Other debt 0 0 0
Total debt 95,590 -51,909 43,681

I am now 27.7% on my way to achive my FIRE target of EUR 1,000,000. This is 1.1 percentage points closer, compared to the last net worth update.

EUR 276,745 FIRE target: EUR 1,000,000


27.7%

FI portfolio

My FI portfolio now consists of EUR 144,575 (52.2%) in investments, EUR 22,270 (8.0%) in retirement accounts, and EUR 109,900 (39.7%) in cash.

Investments

Since my last update, my investments increased with EUR 20,077 (16.13%).

Since I started tracking, my total contributions have been EUR 107,200, and my total return has been EUR 22,821.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 330 (1.5%), of which EUR 170 was from contributions , and EUR 0 was from returns.

Since I started tracking, my total contributions have been EUR 12,137, 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 922 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
922/month
(4.0% SWR)
807/month
(3.5% SWR)
691/month
(3.0% SWR)


When can I retire?

FI date

My age

56

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 19 years and 4 months, in , and at that time I will be 56 years old.

By that time I will have invested/saved another EUR 234,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 489,255


Financial independence forecast