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Net worth update per


This is Nopius's #46 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 617,377 and my FI portfolio increased to EUR 354,039


Net worth

EUR 617,377

Since the last update on my net worth has increased with EUR 7,978 (+ 1.31 %).

FI portfolio

EUR 354,039

Since the last update on my FI portfolio has increased with EUR 7,273 (+ 2.1 %).

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 99,700 +1,200 100,900
Investments 223,296 +5,903 229,199
Retirement acc 23,770 +170 23,940
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 646,766 +7,273 654,039

Mortgage 37,367 -705 36,662
Other debt 0 0 0
Total debt 37,367 -705 36,662
Change
Cash 99,700 +1,200 100,900
Investments 223,296 +5,903 229,199
Retirement acc 23,770 +170 23,940
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 646,766 +7,273 654,039

Mortgage 37,367 -705 36,662
Other debt 0 0 0
Total debt 37,367 -705 36,662
Change
Cash 93,450 +7,450 100,900
Investments 17,822 +211,377 229,199
Retirement acc 10,120 +13,820 23,940
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +232,647 654,039

Mortgage 95,590 -58,928 36,662
Other debt 0 0 0
Total debt 95,590 -58,928 36,662

I am now 35.4% on my way to achive my FIRE target of EUR 1,000,000. This is 0.7 percentage points closer, compared to the last net worth update.

EUR 354,039 FIRE target: EUR 1,000,000


35.4%

FI portfolio

My FI portfolio now consists of EUR 229,199 (64.7%) in investments, EUR 23,940 (6.8%) in retirement accounts, and EUR 100,900 (28.5%) in cash.

Investments

Since my last update, my investments increased with EUR 5,903 (2.64%), 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 170 (0.72%), 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 1,180 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,180/month
(4.0% SWR)
1,032/month
(3.5% SWR)
885/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 15 years and 9 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another EUR 193,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 452,961


Financial independence forecast