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Net worth update per


This is Nono's #10 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 69,389 and my FI portfolio decreased to EUR 15,376


Net worth

EUR 69,389

Since the last update on my net worth has decreased with EUR -446 ( -0.64 %).

FI portfolio

EUR 15,376

Since the last update on my FI portfolio has decreased with EUR -14 ( -0.09 %).

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 850 +300 1,150
Investments 10,705 -408 10,297
Retirement acc 3,835 +94 3,929
Real estate 91,936 0 91,936
Other assets 4,904 -976 3,928
Total assets 112,230 -990 111,240

Mortgage 42,395 -544 41,851
Other debt 0 0 0
Total debt 42,395 -544 41,851
Change
Cash 2,162 -1,012 1,150
Investments 8,566 +1,731 10,297
Retirement acc 3,345 +584 3,929
Real estate 91,936 0 91,936
Other assets 7,175 -3,247 3,928
Total assets 113,184 -1,944 111,240

Mortgage 44,025 -2,174 41,851
Other debt 0 0 0
Total debt 44,025 -2,174 41,851
Change
Cash 2,000 -850 1,150
Investments 5,737 +4,560 10,297
Retirement acc 3,105 +824 3,929
Real estate 85,000 + 6,936 91,936
Other assets 4,764 -836 3,928
Total assets 100,606 +10,634 111,240

Mortgage 44,817 -2,966 41,851
Other debt 0 0 0
Total debt 44,817 -2,966 41,851

I am now 1.5% on my way to achive my FIRE target of EUR 1,000,000. This is -0.0 percentage points closer, compared to the last net worth update.

EUR 15,376 FIRE target: EUR 1,000,000


1.5%

FI portfolio

My FI portfolio now consists of EUR 10,297 (67.0%) in investments, EUR 3,929 (25.6%) in retirement accounts, and EUR 1,150 (7.5%) in cash.

Investments

Since my last update, my investments decreased with EUR -408 (-3.81%), 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 94 (2.45%), 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 51 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
51/month
(4.0% SWR)
44/month
(3.5% SWR)
38/month
(3.0% SWR)


When can I retire?

FI date

My age

56

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 2 months, in , and at that time I will be 56 years old.

By that time I will have invested/saved another EUR 316,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 668,624


Financial independence forecast