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Net worth update per


This is jezo777's #19 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 187,618 and my FI portfolio decreased to EUR 24,618


Net worth

EUR 187,618

Since the last update on my net worth has increased with EUR 43 (+ 0.02 %).

FI portfolio

EUR 24,618

Since the last update on my FI portfolio has decreased with EUR -457 ( -1.82 %).

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 8,366 -944 7,422
Investments 11,828 +594 12,422
Retirement acc 4,881 -107 4,774
Real estate 190,000 0 190,000
Other assets 0 0 0
Total assets 215,075 -457 214,618

Mortgage 27,500 -500 27,000
Other debt 0 0 0
Total debt 27,500 -500 27,000
Change
Cash 8,544 -1,122 7,422
Investments 9,955 +2,467 12,422
Retirement acc 4,477 +297 4,774
Real estate 180,000 + 10,000 190,000
Other assets 0 0 0
Total assets 202,976 +11,642 214,618

Mortgage 30,500 -3,500 27,000
Other debt 0 0 0
Total debt 30,500 -3,500 27,000
Change
Cash 13,570 -6,148 7,422
Investments 0 +12,422 12,422
Retirement acc 3,111 +1,663 4,774
Real estate 180,000 + 10,000 190,000
Other assets 0 0 0
Total assets 196,681 +17,937 214,618

Mortgage 36,000 -9,000 27,000
Other debt 0 0 0
Total debt 36,000 -9,000 27,000

I am now 3.3% on my way to achive my FIRE target of EUR 750,000. This is -0.1 percentage points closer, compared to the last net worth update.

EUR 24,618 FIRE target: EUR 750,000


3.3%

FI portfolio

My FI portfolio now consists of EUR 12,422 (50.5%) in investments, EUR 4,774 (19.4%) in retirement accounts, and EUR 7,422 (30.1%) in cash.

Investments

Since my last update, my investments increased with EUR 594 (5.02%), 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 -107 (-2.19%), 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 82 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
82/month
(4.0% SWR)
71/month
(3.5% SWR)
61/month
(3.0% SWR)


When can I retire?

FI date

My age

50

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 15 years and 7 months, in , and at that time I will be 50 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 504,382


Financial independence forecast