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Net worth update per



This is Spiko's #2 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 99,158 and my FI portfolio increased to EUR 55,358


Net worth

EUR 99,158

Since the last update on my net worth has increased with EUR 29,076 (+ 41.49 %).

FI portfolio

EUR 55,358

Since the last update on my FI portfolio has increased with EUR 8,276 (+ 17.58 %).

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.

I am now 5.5% on my way to achive my FIRE target of EUR 1,000,000. This is 0.8 percentage points closer, compared to the last net worth update.

EUR 55,358 FIRE target: EUR 1,000,000


5.5%


FI portfolio


My FI portfolio now consists of EUR 40,400 (73.0%) in investments, and EUR 14,958 (27.0%) in cash.

Investments

Since my last update, my investments decreased with EUR -100 (-0.25%), of which EUR 1,250 was from contributions, and EUR 2,482 was from returns.

Since I started tracking, my total contributions have been EUR 5,958, and my total return has been EUR 9,387.




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


If I quit working today, my monthly pay out would be EUR 184 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
184/month
(4.0% SWR)
161/month
(3.5% SWR)
138/month
(3.0% SWR)


When can I retire?


FI date


My age

52

I am currently aiming to save/invest approximately EUR 1,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 23 years and 8 months, in , and at that time I will be 52 years old.

By that time I will have invested/saved another EUR 290,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 654,642


Financial independence forecast