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Net worth update per


This is Nono's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 64,587 and my FI portfolio increased to EUR 11,590


Net worth

EUR 64,587

Since the last update on my net worth has increased with EUR 8,218 (+ 14.58 %).

FI portfolio

EUR 11,590

Since the last update on my FI portfolio has increased with EUR 705 (+ 6.48 %).

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 1,816 +191 2,007
Investments 5,884 +514 6,398
Retirement acc 3,185 0 3,185
Real estate 85,000 + 6,936 91,936
Other assets 4,790 + 65 4,855
Total assets 100,675 +7,706 108,381

Mortgage 44,306 -512 43,794
Other debt 0 0 0
Total debt 44,306 -512 43,794
Change
Cash 2,000 +7 2,007
Investments 5,737 +661 6,398
Retirement acc 3,105 +80 3,185
Real estate 85,000 + 6,936 91,936
Other assets 4,764 + 91 4,855
Total assets 100,606 +7,775 108,381

Mortgage 44,817 -1,023 43,794
Other debt 0 0 0
Total debt 44,817 -1,023 43,794
Change
Cash 2,000 +7 2,007
Investments 5,737 +661 6,398
Retirement acc 3,105 +80 3,185
Real estate 85,000 + 6,936 91,936
Other assets 4,764 + 91 4,855
Total assets 100,606 +7,775 108,381

Mortgage 44,817 -1,023 43,794
Other debt 0 0 0
Total debt 44,817 -1,023 43,794

I am now 1.2% on my way to achive my FIRE target of EUR 1,000,000. This is 0.1 percentage points closer, compared to the last net worth update.

EUR 11,590 FIRE target: EUR 1,000,000


1.2%

FI portfolio

My FI portfolio now consists of EUR 6,398 (55.2%) in investments, EUR 3,185 (27.5%) in retirement accounts, and EUR 2,007 (17.3%) in cash.

Investments

Since my last update, my investments increased with EUR 514 (8.74%), of which EUR 700 was from contributions, and EUR 445 was from returns.

Since I started tracking, my total contributions have been EUR 700, and my total return has been EUR 2,129.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR 0 (0.0%), of which EUR 80 was from contributions , and EUR 0 was from returns.

Since I started tracking, my total contributions have been EUR 80, and my total return is EUR 160.




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

If I quit working today, my monthly pay out would be EUR 38 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
38/month
(4.0% SWR)
33/month
(3.5% SWR)
28/month
(3.0% SWR)


When can I retire?

FI date

My age

55

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 26 years and 5 months, in , and at that time I will be 55 years old.

By that time I will have invested/saved another EUR 320,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 668,410


Financial independence forecast