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Net worth update per


This is Nopius's #44 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 584,191 and my FI portfolio increased to EUR 322,262


Net worth

EUR 584,191

Since the last update on my net worth has increased with EUR 6,793 (+ 1.18 %).

FI portfolio

EUR 322,262

Since the last update on my FI portfolio has increased with EUR 6,089 (+ 1.93 %).

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 100,600 -600 100,000
Investments 192,133 +6,524 198,657
Retirement acc 23,440 +165 23,605
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 616,173 +6,089 622,262

Mortgage 38,775 -704 38,071
Other debt 0 0 0
Total debt 38,775 -704 38,071
Change
Cash 118,600 -18,600 100,000
Investments 111,864 +86,793 198,657
Retirement acc 21,610 +1,995 23,605
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 552,074 +70,188 622,262

Mortgage 46,470 -8,399 38,071
Other debt 0 0 0
Total debt 46,470 -8,399 38,071
Change
Cash 93,450 +6,550 100,000
Investments 17,822 +180,835 198,657
Retirement acc 10,120 +13,485 23,605
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +200,870 622,262

Mortgage 95,590 -57,519 38,071
Other debt 0 0 0
Total debt 95,590 -57,519 38,071

I am now 32.2% on my way to achive my FIRE target of EUR 1,000,000. This is 0.6 percentage points closer, compared to the last net worth update.

EUR 322,262 FIRE target: EUR 1,000,000


32.2%

FI portfolio

My FI portfolio now consists of EUR 198,657 (61.6%) in investments, EUR 23,605 (7.3%) in retirement accounts, and EUR 100,000 (31.0%) in cash.

Investments

Since my last update, my investments increased with EUR 6,524 (3.4%), of which EUR 1,000 was from contributions, and EUR 23,639 was from returns.

Since I started tracking, my total contributions have been EUR 147,099, and my total return has been EUR 58,375.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 165 (0.7%), of which EUR 165 was from contributions , and EUR 0 was from returns.

Since I started tracking, my total contributions have been EUR 13,467, and my total return is EUR 183.




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

If I quit working today, my monthly pay out would be EUR 1,074 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,074/month
(4.0% SWR)
939/month
(3.5% SWR)
805/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 5% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 17 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 208,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 469,738


Financial independence forecast