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Net worth update per April 1st 2024


This is TumTumTuuum's #43 net worth update. Please check out my profile here for more information. As of April 1st 2024, my net worth increased to EUR 231,478 and my FI portfolio increased to EUR 172,997


Net worth

EUR 231,478

Since the last update on March 1st 2024 my net worth has increased with EUR 16,564 (+ 7.71 %).

FI portfolio

EUR 172,997

Since the last update on March 1st 2024 my FI portfolio has increased with EUR 15,319 (+ 9.72 %).

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.
1 Mar 24 Change 1 Apr 24
Cash 27,858 +12,878 40,736
Investments 121,830 +2,445 124,275
Retirement acc 7,990 -4 7,986
Real estate 90,000 0 90,000
Other assets 41,773 -5,146 36,627
Total assets 289,451 +10,173 299,624

Mortgage 52,255 -21 52,234
Other debt 22,282 -6,370 15,912
Total debt 74,537 -6,391 68,146
31 Dec 23 Change 1 Apr 24
Cash 17,460 +23,276 40,736
Investments 115,917 +8,358 124,275
Retirement acc 7,985 +1 7,986
Real estate 90,000 0 90,000
Other assets 43,109 -6,482 36,627
Total assets 274,471 +25,153 299,624

Mortgage 52,454 -220 52,234
Other debt 21,960 -6,048 15,912
Total debt 74,414 -6,268 68,146
18 Oct 20 Change 1 Apr 24
Cash 1,230 +39,506 40,736
Investments 22,554 +101,721 124,275
Retirement acc 5,536 +2,450 7,986
Real estate 82,013 + 7,987 90,000
Other assets 1,025 + 35,602 36,627
Total assets 112,358 +187,266 299,624

Mortgage 56,834 -4,600 52,234
Other debt 2,768 + 13,144 15,912
Total debt 59,602 + 8,544 68,146

I am now 6.9% on my way to achive my FIRE target of EUR 2,500,000. This is 0.6 percentage points closer, compared to the last net worth update.

EUR 172,997 FIRE target: EUR 2,500,000


6.9%

FI portfolio

My FI portfolio now consists of EUR 124,275 (71.8%) in investments, EUR 7,986 (4.6%) in retirement accounts, and EUR 40,736 (23.5%) in cash.

Investments

Since my last update, my investments increased with EUR 2,445 (2.01%), of which EUR 5,409 was from contributions, and EUR 7,383 was from returns.

Since I started tracking, my total contributions have been EUR 146,387, and my total return has been EUR 30,035.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -4 (-0.05%).

Since I started tracking, my total contributions have been EUR 6,089, and my total return is EUR -1,916.




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

If I quit working today, my monthly pay out would be EUR 576 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
576/month
(4.0% SWR)
504/month
(3.5% SWR)
432/month
(3.0% SWR)


When can I retire?

FI date

December 2039

My age

47

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 5 months, in December 2039, and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 1,128,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,199,003


Financial independence forecast