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Net worth update per


This is holisticRhino3's #57 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 88,287 and my FI portfolio increased to EUR 54,512


Net worth

EUR 88,287

Since the last update on my net worth has increased with EUR 1,360 (+ 1.56 %).

FI portfolio

EUR 54,512

Since the last update on my FI portfolio has increased with EUR 1,360 (+ 2.56 %).

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 1,300 +500 1,800
Investments 47,614 +861 48,475
Retirement acc 4,238 -1 4,237
Real estate 125,000 0 125,000
Other assets 5,000 0 5,000
Total assets 183,152 +1,360 184,512

Mortgage 96,225 0 96,225
Other debt 0 0 0
Total debt 96,225 0 96,225
Change
Cash 3,930 -2,130 1,800
Investments 36,831 +11,644 48,475
Retirement acc 2,918 +1,319 4,237
Real estate 120,000 + 5,000 125,000
Other assets 3,000 + 2,000 5,000
Total assets 166,679 +17,833 184,512

Mortgage 96,894 -669 96,225
Other debt 0 0 0
Total debt 96,894 -669 96,225
Change
Cash 100 +1,700 1,800
Investments 900 +47,575 48,475
Retirement acc 0 +4,237 4,237
Real estate 0 + 125,000 125,000
Other assets 1,000 + 4,000 5,000
Total assets 2,000 +182,512 184,512

Mortgage 0 96,225 96,225
Other debt 0 0 0
Total debt 0 + 96,225 96,225

I am now 6.8% on my way to achive my FIRE target of EUR 800,000. This is 0.2 percentage points closer, compared to the last net worth update.

EUR 54,512 FIRE target: EUR 800,000


6.8%

FI portfolio

My FI portfolio now consists of EUR 48,475 (88.9%) in investments, EUR 4,237 (7.8%) in retirement accounts, and EUR 1,800 (3.3%) in cash.

Investments

Since my last update, my investments increased with EUR 861 (1.81%), of which EUR 3,700 was from contributions, and EUR -2,420 was from returns.

Since I started tracking, my total contributions have been EUR 56,644, and my total return has been EUR 10,856.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -1 (-0.02%), of which EUR 400 was from contributions , and EUR -1,420 was from returns.

Since I started tracking, my total contributions have been EUR 11,968, and my total return is EUR 282.




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

If I quit working today, my monthly pay out would be EUR 181 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
181/month
(4.0% SWR)
158/month
(3.5% SWR)
136/month
(3.0% SWR)


When can I retire?

FI date

My age

37

I am currently aiming to save/invest approximately EUR 2,150 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 800,000 in 11 years and 3 months, in , and at that time I will be 37 years old.

By that time I will have invested/saved another EUR 316,050, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 429,438


Financial independence forecast