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Net worth update per November 22nd 2024


This is blablatest's #5 net worth update. Please check out my profile here for more information. As of November 22nd 2024, my net worth increased to EUR 169,000 and my FI portfolio increased to EUR 164,000


Net worth

EUR 169,000

Since the last update on August 19th 2023 my net worth has increased with EUR 77,200 (+ 84.1 %).

FI portfolio

EUR 164,000

Since the last update on August 19th 2023 my FI portfolio has increased with EUR 72,200 (+ 78.65 %).

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.
19 Aug 23 Change 22 Nov 24
Cash 70,000 -10,000 60,000
Investments 20,000 +80,000 100,000
Retirement acc 1,800 +2,200 4,000
Real estate 0 0 0
Other assets 0 + 5,000 5,000
Total assets 91,800 +77,200 169,000

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
19 Aug 23 Change 22 Nov 24
Cash 70,000 -10,000 60,000
Investments 20,000 +80,000 100,000
Retirement acc 1,800 +2,200 4,000
Real estate 0 0 0
Other assets 0 + 5,000 5,000
Total assets 91,800 +77,200 169,000

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
21 Dec 19 Change 22 Nov 24
Cash 8,000 +52,000 60,000
Investments 20,000 +80,000 100,000
Retirement acc 0 +4,000 4,000
Real estate 0 0 0
Other assets 0 + 5,000 5,000
Total assets 28,000 +141,000 169,000

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 16.4% on my way to achive my FIRE target of EUR 1,000,000. This is 7.2 percentage points closer, compared to the last net worth update.

EUR 164,000 FIRE target: EUR 1,000,000


16.4%

FI portfolio

My FI portfolio now consists of EUR 100,000 (61.0%) in investments, EUR 4,000 (2.4%) in retirement accounts, and EUR 60,000 (36.6%) in cash.

Investments

Since my last update, my investments increased with EUR 80,000 (400.0%).

Since I started tracking, my total contributions have been EUR 75,000, and my total return has been EUR 22,000.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 2,200 (122.22%).

Since I started tracking, my total contributions have been EUR 2,200, and my total return is EUR 1,800.




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

If I quit working today, my monthly pay out would be EUR 546 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
546/month
(4.0% SWR)
478/month
(3.5% SWR)
410/month
(3.0% SWR)


When can I retire?

FI date

June 2038

My age

40

I am currently aiming to save/invest approximately EUR 1,500 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 13 years and 0 months, in June 2038, and at that time I will be 40 years old.

By that time I will have invested/saved another EUR 244,500, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 591,500


Financial independence forecast