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Net worth update per


This is Nopius's #48 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 605,373 and my FI portfolio decreased to EUR 340,622


Net worth

EUR 605,373

Since the last update on my net worth has decreased with EUR -8,255 ( -1.35 %).

FI portfolio

EUR 340,622

Since the last update on my FI portfolio has decreased with EUR -8,962 ( -2.56 %).

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 101,100 +200 101,300
Investments 224,374 -9,327 215,047
Retirement acc 24,110 +165 24,275
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 649,584 -8,962 640,622

Mortgage 35,956 -707 35,249
Other debt 0 0 0
Total debt 35,956 -707 35,249
Change
Cash 99,700 +1,600 101,300
Investments 223,296 -8,249 215,047
Retirement acc 23,770 +505 24,275
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 646,766 -6,144 640,622

Mortgage 37,367 -2,118 35,249
Other debt 0 0 0
Total debt 37,367 -2,118 35,249
Change
Cash 93,450 +7,850 101,300
Investments 17,822 +197,225 215,047
Retirement acc 10,120 +14,155 24,275
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +219,230 640,622

Mortgage 95,590 -60,341 35,249
Other debt 0 0 0
Total debt 95,590 -60,341 35,249

I am now 34.1% on my way to achive my FIRE target of EUR 1,000,000. This is -0.9 percentage points closer, compared to the last net worth update.

EUR 340,622 FIRE target: EUR 1,000,000


34.1%

FI portfolio

My FI portfolio now consists of EUR 215,047 (63.1%) in investments, EUR 24,275 (7.1%) in retirement accounts, and EUR 101,300 (29.7%) in cash.

Investments

Since my last update, my investments decreased with EUR -9,327 (-4.16%), 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 (0.68%), 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 1,135 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,135/month
(4.0% SWR)
993/month
(3.5% SWR)
851/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 6 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another EUR 200,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 459,378


Financial independence forecast