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Net worth update per


This is TumTumTuuum's #50 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 281,259 and my FI portfolio increased to EUR 234,420


Net worth

EUR 281,259

Since the last update on my net worth has increased with EUR 12,798 (+ 4.77 %).

FI portfolio

EUR 234,420

Since the last update on my FI portfolio has increased with EUR 11,255 (+ 5.04 %).

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 44,890 -3,947 40,943
Investments 169,024 +15,206 184,230
Retirement acc 9,251 -4 9,247
Real estate 90,000 0 90,000
Other assets 33,112 + 149 33,261
Total assets 346,277 +11,404 357,681

Mortgage 51,375 100 51,475
Other debt 26,441 -1,494 24,947
Total debt 77,816 -1,394 76,422
Change
Cash 17,460 +23,483 40,943
Investments 115,917 +68,313 184,230
Retirement acc 7,985 +1,262 9,247
Real estate 90,000 0 90,000
Other assets 43,109 -9,848 33,261
Total assets 274,471 +83,210 357,681

Mortgage 52,454 -979 51,475
Other debt 21,960 + 2,987 24,947
Total debt 74,414 + 2,008 76,422
Change
Cash 1,230 +39,713 40,943
Investments 22,554 +161,676 184,230
Retirement acc 5,536 +3,711 9,247
Real estate 82,013 + 7,987 90,000
Other assets 1,025 + 32,236 33,261
Total assets 112,358 +245,323 357,681

Mortgage 56,834 -5,359 51,475
Other debt 2,768 + 22,179 24,947
Total debt 59,602 + 16,820 76,422

I am now 9.4% on my way to achive my FIRE target of EUR 2,500,000. This is 0.5 percentage points closer, compared to the last net worth update.

EUR 234,420 FIRE target: EUR 2,500,000


9.4%

FI portfolio

My FI portfolio now consists of EUR 184,230 (78.6%) in investments, EUR 9,247 (3.9%) in retirement accounts, and EUR 40,943 (17.5%) in cash.

Investments

Since my last update, my investments increased with EUR 15,206 (9.0%).

Since I started tracking, my total contributions have been EUR 140,978, and my total return has been EUR 22,652.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -4 (-0.04%), of which EUR 4,500 was from contributions , and EUR -4,502 was from returns.

Since I started tracking, my total contributions have been EUR 6,089, and my total return is EUR -2,381.




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

If I quit working today, my monthly pay out would be EUR 781 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
781/month
(4.0% SWR)
683/month
(3.5% SWR)
586/month
(3.0% SWR)


When can I retire?

FI date

My age

47

I am currently aiming to save/invest approximately EUR 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 2,500,000 in 14 years and 6 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 1,080,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,185,580


Financial independence forecast