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Net worth update per


This is Nono's #8 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 69,955 and my FI portfolio decreased to EUR 14,157


Net worth

EUR 69,955

Since the last update on my net worth has decreased with EUR -908 ( -1.28 %).

FI portfolio

EUR 14,157

Since the last update on my FI portfolio has decreased with EUR -1,264 ( -8.2 %).

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 2,403 -2,253 150
Investments 9,593 +673 10,266
Retirement acc 3,425 +316 3,741
Real estate 91,936 0 91,936
Other assets 6,988 -188 6,800
Total assets 114,345 -1,452 112,893

Mortgage 43,482 -544 42,938
Other debt 0 0 0
Total debt 43,482 -544 42,938
Change
Cash 2,162 -2,012 150
Investments 8,566 +1,700 10,266
Retirement acc 3,345 +396 3,741
Real estate 91,936 0 91,936
Other assets 7,175 -375 6,800
Total assets 113,184 -291 112,893

Mortgage 44,025 -1,087 42,938
Other debt 0 0 0
Total debt 44,025 -1,087 42,938
Change
Cash 2,000 -1,850 150
Investments 5,737 +4,529 10,266
Retirement acc 3,105 +636 3,741
Real estate 85,000 + 6,936 91,936
Other assets 4,764 + 2,036 6,800
Total assets 100,606 +12,287 112,893

Mortgage 44,817 -1,879 42,938
Other debt 0 0 0
Total debt 44,817 -1,879 42,938

I am now 1.4% on my way to achive my FIRE target of EUR 1,000,000. This is -0.1 percentage points closer, compared to the last net worth update.

EUR 14,157 FIRE target: EUR 1,000,000


1.4%

FI portfolio

My FI portfolio now consists of EUR 10,266 (72.5%) in investments, EUR 3,741 (26.4%) in retirement accounts, and EUR 150 (1.1%) in cash.

Investments

Since my last update, my investments increased with EUR 673 (7.02%), of which EUR 1,000 was from contributions, and EUR -1,408 was from returns.

Since I started tracking, my total contributions have been EUR 3,830, and my total return has been EUR 730.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 316 (9.23%), of which EUR 94 was from contributions , and EUR 0 was from returns.

Since I started tracking, my total contributions have been EUR 441, and my total return is EUR 383.




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

If I quit working today, my monthly pay out would be EUR 47 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
47/month
(4.0% SWR)
41/month
(3.5% SWR)
35/month
(3.0% SWR)


When can I retire?

FI date

My age

55

I am currently aiming to save/invest approximately EUR 1,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 26 years and 1 months, in , and at that time I will be 55 years old.

By that time I will have invested/saved another EUR 317,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 668,843


Financial independence forecast