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Net worth update per


This is jezo777's #38 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 235,113 and my FI portfolio increased to EUR 42,613


Net worth

EUR 235,113

Since the last update on my net worth has increased with EUR 10,545 (+ 4.7 %).

FI portfolio

EUR 42,613

Since the last update on my FI portfolio has increased with EUR 45 (+ 0.11 %).

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 18,603 -3,094 15,509
Investments 16,531 +2,861 19,392
Retirement acc 7,434 +278 7,712
Real estate 200,000 + 10,000 210,000
Other assets 0 0 0
Total assets 242,568 +10,045 252,613

Mortgage 18,000 -500 17,500
Other debt 0 0 0
Total debt 18,000 -500 17,500
Change
Cash 18,171 -2,662 15,509
Investments 16,080 +3,312 19,392
Retirement acc 7,116 +596 7,712
Real estate 200,000 + 10,000 210,000
Other assets 0 0 0
Total assets 241,367 +11,246 252,613

Mortgage 18,500 -1,000 17,500
Other debt 0 0 0
Total debt 18,500 -1,000 17,500
Change
Cash 13,570 +1,939 15,509
Investments 0 +19,392 19,392
Retirement acc 3,111 +4,601 7,712
Real estate 180,000 + 30,000 210,000
Other assets 0 0 0
Total assets 196,681 +55,932 252,613

Mortgage 36,000 -18,500 17,500
Other debt 0 0 0
Total debt 36,000 -18,500 17,500

I am now 5.7% 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 42,613 FIRE target: EUR 750,000


5.7%

FI portfolio

My FI portfolio now consists of EUR 19,392 (45.5%) in investments, EUR 7,712 (18.1%) in retirement accounts, and EUR 15,509 (36.4%) in cash.

Investments

Since my last update, my investments increased with EUR 2,861 (17.31%), 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 increased with EUR 278 (3.74%), 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 142 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
142/month
(4.0% SWR)
124/month
(3.5% SWR)
106/month
(3.0% SWR)


When can I retire?

FI date

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 4 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 211,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 496,387


Financial independence forecast