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Net worth update per


This is holisticRhino3's #62 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 104,787 and my FI portfolio increased to EUR 60,247


Net worth

EUR 104,787

Since the last update on my net worth has increased with EUR 2,767 (+ 2.71 %).

FI portfolio

EUR 60,247

Since the last update on my FI portfolio has increased with EUR 2,767 (+ 4.81 %).

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 2,800 -600 2,200
Investments 49,125 +1,536 50,661
Retirement acc 5,555 +1,831 7,386
Real estate 135,000 0 135,000
Other assets 5,000 0 5,000
Total assets 197,480 +2,767 200,247

Mortgage 95,460 0 95,460
Other debt 0 0 0
Total debt 95,460 0 95,460
Change
Cash 3,930 -1,730 2,200
Investments 36,831 +13,830 50,661
Retirement acc 2,918 +4,468 7,386
Real estate 120,000 + 15,000 135,000
Other assets 3,000 + 2,000 5,000
Total assets 166,679 +33,568 200,247

Mortgage 96,894 -1,434 95,460
Other debt 0 0 0
Total debt 96,894 -1,434 95,460
Change
Cash 100 +2,100 2,200
Investments 900 +49,761 50,661
Retirement acc 0 +7,386 7,386
Real estate 0 + 135,000 135,000
Other assets 1,000 + 4,000 5,000
Total assets 2,000 +198,247 200,247

Mortgage 0 95,460 95,460
Other debt 0 0 0
Total debt 0 + 95,460 95,460

I am now 7.5% on my way to achive my FIRE target of EUR 800,000. This is 0.3 percentage points closer, compared to the last net worth update.

EUR 60,247 FIRE target: EUR 800,000


7.5%

FI portfolio

My FI portfolio now consists of EUR 50,661 (84.1%) in investments, EUR 7,386 (12.3%) in retirement accounts, and EUR 2,200 (3.7%) in cash.

Investments

Since my last update, my investments increased with EUR 1,536 (3.13%), of which EUR 3,700 was from contributions, and EUR -2,420 was from returns.

Since I started tracking, my total contributions have been EUR 56,644, and my total return has been EUR 10,856.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 1,831 (32.96%), of which EUR 400 was from contributions , and EUR -1,420 was from returns.

Since I started tracking, my total contributions have been EUR 11,968, and my total return is EUR 282.




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

If I quit working today, my monthly pay out would be EUR 200 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
200/month
(4.0% SWR)
175/month
(3.5% SWR)
150/month
(3.0% SWR)


When can I retire?

FI date

My age

37

I am currently aiming to save/invest approximately EUR 2,150 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 800,000 in 11 years and 8 months, in , and at that time I will be 37 years old.

By that time I will have invested/saved another EUR 311,750, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 428,003


Financial independence forecast