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Net worth update per


This is outlyingMandrill0's #36 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 33,500 and my FI portfolio decreased to EUR 26,500


Net worth

EUR 33,500

Since the last update on my net worth has decreased with EUR -5,040 ( -13.08 %).

FI portfolio

EUR 26,500

Since the last update on my FI portfolio has decreased with EUR -5,700 ( -17.7 %).

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 1,200 +3,800 5,000
Investments 6,000 -300 5,700
Retirement acc 25,000 -9,200 15,800
Real estate 0 0 0
Other assets 7,000 0 7,000
Total assets 39,200 -5,700 33,500

Mortgage 0 0 0
Other debt 660 -660 0
Total debt 660 -660 0
Change
Cash 1,200 +3,800 5,000
Investments 6,000 -300 5,700
Retirement acc 25,000 -9,200 15,800
Real estate 0 0 0
Other assets 7,000 0 7,000
Total assets 39,200 -5,700 33,500

Mortgage 0 0 0
Other debt 660 -660 0
Total debt 660 -660 0
Change
Cash 5,100 -100 5,000
Investments 350 +5,350 5,700
Retirement acc 3,500 +12,300 15,800
Real estate 0 0 0
Other assets 5,000 + 2,000 7,000
Total assets 13,950 +19,550 33,500

Mortgage 0 0 0
Other debt 15,000 -15,000 0
Total debt 15,000 -15,000 0

I am now 1.2% on my way to achive my FIRE target of EUR 2,200,000. This is -0.3 percentage points closer, compared to the last net worth update.

EUR 26,500 FIRE target: EUR 2,200,000


1.2%

FI portfolio

My FI portfolio now consists of EUR 5,700 (21.5%) in investments, EUR 15,800 (59.6%) in retirement accounts, and EUR 5,000 (18.9%) in cash.

Investments

Since my last update, my investments decreased with EUR -300 (-5.0%), of which EUR 390 was from contributions, and EUR -690 was from returns.

Since I started tracking, my total contributions have been EUR 4,461, and my total return has been EUR 889.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -9,200 (-36.8%).

Since I started tracking, my total contributions have been EUR 26,515, and my total return is EUR -14,215.




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

If I quit working today, my monthly pay out would be EUR 88 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
88/month
(4.0% SWR)
77/month
(3.5% SWR)
66/month
(3.0% SWR)


When can I retire?

FI date

My age

60

I am currently aiming to save/invest approximately EUR 800 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 2,200,000 in 29 years and 8 months, in , and at that time I will be 60 years old.

By that time I will have invested/saved another EUR 285,600, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,887,900


Financial independence forecast