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Net worth update per January 6th 2023


This is jezo777's #25 net worth update. Please check out my profile here for more information. As of January 6th 2023, my net worth increased to EUR 192,651 and my FI portfolio increased to EUR 26,651


Net worth

EUR 192,651

Since the last update on December 5th 2022 my net worth has increased with EUR 684 (+ 0.36 %).

FI portfolio

EUR 26,651

Since the last update on December 5th 2022 my FI portfolio has increased with EUR 184 (+ 0.7 %).

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.
5 Dec 22 Change 6 Jan 23
Cash 9,432 +596 10,028
Investments 11,530 -339 11,191
Retirement acc 5,505 -73 5,432
Real estate 190,000 0 190,000
Other assets 0 0 0
Total assets 216,467 +184 216,651

Mortgage 24,500 -500 24,000
Other debt 0 0 0
Total debt 24,500 -500 24,000
5 Dec 22 Change 6 Jan 23
Cash 9,432 +596 10,028
Investments 11,530 -339 11,191
Retirement acc 5,505 -73 5,432
Real estate 190,000 0 190,000
Other assets 0 0 0
Total assets 216,467 +184 216,651

Mortgage 24,500 -500 24,000
Other debt 0 0 0
Total debt 24,500 -500 24,000
6 Jan 21 Change 6 Jan 23
Cash 13,570 -3,542 10,028
Investments 0 +11,191 11,191
Retirement acc 3,111 +2,321 5,432
Real estate 180,000 + 10,000 190,000
Other assets 0 0 0
Total assets 196,681 +19,970 216,651

Mortgage 36,000 -12,000 24,000
Other debt 0 0 0
Total debt 36,000 -12,000 24,000

I am now 3.6% on my way to achive my FIRE target of EUR 750,000. This is 0.0 percentage points closer, compared to the last net worth update.

EUR 26,651 FIRE target: EUR 750,000


3.6%

FI portfolio

My FI portfolio now consists of EUR 11,191 (42.0%) in investments, EUR 5,432 (20.4%) in retirement accounts, and EUR 10,028 (37.6%) in cash.

Investments

Since my last update, my investments decreased with EUR -339 (-2.94%), of which EUR 5,000 was from contributions, and EUR 1,758 was from returns.

Since I started tracking, my total contributions have been EUR 25,952, and my total return has been EUR 6,258.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -73 (-1.33%), of which EUR 114 was from contributions , and EUR 25 was from returns.

Since I started tracking, my total contributions have been EUR 4,439, and my total return is EUR 1,671.




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

If I quit working today, my monthly pay out would be EUR 88 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
88/month
(4.0% SWR)
77/month
(3.5% SWR)
66/month
(3.0% SWR)


When can I retire?

FI date

June 2041

My age

51

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

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 750,000 in 16 years and 0 months, in June 2041, and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 221,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 502,349


Financial independence forecast