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Net worth update per


This is Nopius's #45 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 609,399 and my FI portfolio increased to EUR 346,766


Net worth

EUR 609,399

Since the last update on my net worth has increased with EUR 25,208 (+ 4.32 %).

FI portfolio

EUR 346,766

Since the last update on my FI portfolio has increased with EUR 24,504 (+ 7.6 %).

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 100,000 -300 99,700
Investments 198,657 +24,639 223,296
Retirement acc 23,605 +165 23,770
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 622,262 +24,504 646,766

Mortgage 38,071 -704 37,367
Other debt 0 0 0
Total debt 38,071 -704 37,367
Change
Cash 118,600 -18,900 99,700
Investments 111,864 +111,432 223,296
Retirement acc 21,610 +2,160 23,770
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 552,074 +94,692 646,766

Mortgage 46,470 -9,103 37,367
Other debt 0 0 0
Total debt 46,470 -9,103 37,367
Change
Cash 93,450 +6,250 99,700
Investments 17,822 +205,474 223,296
Retirement acc 10,120 +13,650 23,770
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +225,374 646,766

Mortgage 95,590 -58,223 37,367
Other debt 0 0 0
Total debt 95,590 -58,223 37,367

I am now 34.7% on my way to achive my FIRE target of EUR 1,000,000. This is 2.5 percentage points closer, compared to the last net worth update.

EUR 346,766 FIRE target: EUR 1,000,000


34.7%

FI portfolio

My FI portfolio now consists of EUR 223,296 (64.4%) in investments, EUR 23,770 (6.9%) in retirement accounts, and EUR 99,700 (28.8%) in cash.

Investments

Since my last update, my investments increased with EUR 24,639 (12.4%), of which EUR 1,600 was from contributions, and EUR -10,927 was from returns.

Since I started tracking, my total contributions have been EUR 151,099, and my total return has been EUR 46,126.

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 13,972, 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 1,155 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,155/month
(4.0% SWR)
1,011/month
(3.5% SWR)
866/month
(3.0% SWR)


When can I retire?

FI date

My age

54

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 16 years and 0 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another EUR 197,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 456,234


Financial independence forecast