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Net worth update per


This is Nono's #5 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 66,809 and my FI portfolio increased to EUR 12,848


Net worth

EUR 66,809

Since the last update on my net worth has increased with EUR 2,222 (+ 3.44 %).

FI portfolio

EUR 12,848

Since the last update on my FI portfolio has increased with EUR 1,258 (+ 10.85 %).

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 2,007 +155 2,162
Investments 6,398 +1,023 7,421
Retirement acc 3,185 +80 3,265
Real estate 91,936 0 91,936
Other assets 4,855 + 420 5,275
Total assets 108,381 +1,678 110,059

Mortgage 43,794 -544 43,250
Other debt 0 0 0
Total debt 43,794 -544 43,250
Change
Cash 2,000 +162 2,162
Investments 5,737 +1,684 7,421
Retirement acc 3,105 +160 3,265
Real estate 85,000 + 6,936 91,936
Other assets 4,764 + 511 5,275
Total assets 100,606 +9,453 110,059

Mortgage 44,817 -1,567 43,250
Other debt 0 0 0
Total debt 44,817 -1,567 43,250
Change
Cash 2,000 +162 2,162
Investments 5,737 +1,684 7,421
Retirement acc 3,105 +160 3,265
Real estate 85,000 + 6,936 91,936
Other assets 4,764 + 511 5,275
Total assets 100,606 +9,453 110,059

Mortgage 44,817 -1,567 43,250
Other debt 0 0 0
Total debt 44,817 -1,567 43,250

I am now 1.3% 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 12,848 FIRE target: EUR 1,000,000


1.3%

FI portfolio

My FI portfolio now consists of EUR 7,421 (57.8%) in investments, EUR 3,265 (25.4%) in retirement accounts, and EUR 2,162 (16.8%) in cash.

Investments

Since my last update, my investments increased with EUR 1,023 (15.99%), of which EUR 700 was from contributions, and EUR -261 was from returns.

Since I started tracking, my total contributions have been EUR 2,830, and my total return has been EUR 2,138.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 80 (2.51%), of which EUR 94 was from contributions , and EUR 0 was from returns.

Since I started tracking, my total contributions have been EUR 347, and my total return is EUR 383.




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

If I quit working today, my monthly pay out would be EUR 42 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
42/month
(4.0% SWR)
37/month
(3.5% SWR)
32/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 2 months, in , and at that time I will be 55 years old.

By that time I will have invested/saved another EUR 319,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 668,152


Financial independence forecast