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Net worth update per


This is holisticRhino3's #58 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 86,680 and my FI portfolio decreased to EUR 52,808


Net worth

EUR 86,680

Since the last update on my net worth has decreased with EUR -1,607 ( -1.82 %).

FI portfolio

EUR 52,808

Since the last update on my FI portfolio has decreased with EUR -1,704 ( -3.13 %).

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 1,800 -300 1,500
Investments 48,475 -1,635 46,840
Retirement acc 4,237 +231 4,468
Real estate 125,000 0 125,000
Other assets 5,000 0 5,000
Total assets 184,512 -1,704 182,808

Mortgage 96,225 -97 96,128
Other debt 0 0 0
Total debt 96,225 -97 96,128
Change
Cash 3,930 -2,430 1,500
Investments 36,831 +10,009 46,840
Retirement acc 2,918 +1,550 4,468
Real estate 120,000 + 5,000 125,000
Other assets 3,000 + 2,000 5,000
Total assets 166,679 +16,129 182,808

Mortgage 96,894 -766 96,128
Other debt 0 0 0
Total debt 96,894 -766 96,128
Change
Cash 100 +1,400 1,500
Investments 900 +45,940 46,840
Retirement acc 0 +4,468 4,468
Real estate 0 + 125,000 125,000
Other assets 1,000 + 4,000 5,000
Total assets 2,000 +180,808 182,808

Mortgage 0 96,128 96,128
Other debt 0 0 0
Total debt 0 + 96,128 96,128

I am now 6.6% 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 52,808 FIRE target: EUR 800,000


6.6%

FI portfolio

My FI portfolio now consists of EUR 46,840 (88.7%) in investments, EUR 4,468 (8.5%) in retirement accounts, and EUR 1,500 (2.8%) in cash.

Investments

Since my last update, my investments decreased with EUR -1,635 (-3.37%), 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 increased with EUR 231 (5.45%), 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 176 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
176/month
(4.0% SWR)
154/month
(3.5% SWR)
132/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 5 months, in , and at that time I will be 37 years old.

By that time I will have invested/saved another EUR 318,200, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 428,992


Financial independence forecast