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Net worth update per


This is jezo777's #44 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 241,411 and my FI portfolio decreased to EUR 45,911


Net worth

EUR 241,411

Since the last update on my net worth has decreased with EUR -760 ( -0.31 %).

FI portfolio

EUR 45,911

Since the last update on my FI portfolio has decreased with EUR -1,260 ( -2.67 %).

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 13,821 -2,444 11,377
Investments 24,423 +1,029 25,452
Retirement acc 8,927 +155 9,082
Real estate 210,000 0 210,000
Other assets 0 0 0
Total assets 257,171 -1,260 255,911

Mortgage 15,000 -500 14,500
Other debt 0 0 0
Total debt 15,000 -500 14,500
Change
Cash 18,171 -6,794 11,377
Investments 16,080 +9,372 25,452
Retirement acc 7,116 +1,966 9,082
Real estate 200,000 + 10,000 210,000
Other assets 0 0 0
Total assets 241,367 +14,544 255,911

Mortgage 18,500 -4,000 14,500
Other debt 0 0 0
Total debt 18,500 -4,000 14,500
Change
Cash 13,570 -2,193 11,377
Investments 0 +25,452 25,452
Retirement acc 3,111 +5,971 9,082
Real estate 180,000 + 30,000 210,000
Other assets 0 0 0
Total assets 196,681 +59,230 255,911

Mortgage 36,000 -21,500 14,500
Other debt 0 0 0
Total debt 36,000 -21,500 14,500

I am now 6.1% on my way to achive my FIRE target of EUR 750,000. This is -0.2 percentage points closer, compared to the last net worth update.

EUR 45,911 FIRE target: EUR 750,000


6.1%

FI portfolio

My FI portfolio now consists of EUR 25,452 (55.4%) in investments, EUR 9,082 (19.8%) in retirement accounts, and EUR 11,377 (24.8%) in cash.

Investments

Since my last update, my investments increased with EUR 1,029 (4.21%), 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 155 (1.74%), 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 153 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
153/month
(4.0% SWR)
133/month
(3.5% SWR)
114/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 5 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 206,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 498,089


Financial independence forecast