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Net worth update per


This is TumTumTuuum's #55 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 309,825 and my FI portfolio decreased to EUR 279,495


Net worth

EUR 309,825

Since the last update on my net worth has increased with EUR 2,813 (+ 0.92 %).

FI portfolio

EUR 279,495

Since the last update on my FI portfolio has decreased with EUR -2,075 ( -0.74 %).

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 87,351 -3,284 84,067
Investments 184,973 +1,211 186,184
Retirement acc 9,246 -2 9,244
Real estate 90,000 0 90,000
Other assets 32,943 -263 32,680
Total assets 404,513 -2,338 402,175

Mortgage 51,144 -8 51,136
Other debt 46,357 -5,143 41,214
Total debt 97,501 -5,151 92,350
Change
Cash 40,943 +43,124 84,067
Investments 184,230 +1,954 186,184
Retirement acc 9,247 -3 9,244
Real estate 90,000 0 90,000
Other assets 33,261 -581 32,680
Total assets 357,681 +44,494 402,175

Mortgage 51,475 -339 51,136
Other debt 24,947 + 16,267 41,214
Total debt 76,422 + 15,928 92,350
Change
Cash 1,230 +82,837 84,067
Investments 22,554 +163,630 186,184
Retirement acc 5,536 +3,708 9,244
Real estate 82,013 + 7,987 90,000
Other assets 1,025 + 31,655 32,680
Total assets 112,358 +289,817 402,175

Mortgage 56,834 -5,698 51,136
Other debt 2,768 + 38,446 41,214
Total debt 59,602 + 32,748 92,350

I am now 11.2% on my way to achive my FIRE target of EUR 2,500,000. This is -0.1 percentage points closer, compared to the last net worth update.

EUR 279,495 FIRE target: EUR 2,500,000


11.2%

FI portfolio

My FI portfolio now consists of EUR 186,184 (66.6%) in investments, EUR 9,244 (3.3%) in retirement accounts, and EUR 84,067 (30.1%) in cash.

Investments

Since my last update, my investments increased with EUR 1,211 (0.65%).

Since I started tracking, my total contributions have been EUR 140,978, and my total return has been EUR 22,652.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -2 (-0.02%), of which EUR 4,500 was from contributions , and EUR -4,502 was from returns.

Since I started tracking, my total contributions have been EUR 6,089, and my total return is EUR -2,381.




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

If I quit working today, my monthly pay out would be EUR 931 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
931/month
(4.0% SWR)
815/month
(3.5% SWR)
698/month
(3.0% SWR)


When can I retire?

FI date

My age

48

I am currently aiming to save/invest approximately EUR 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 2,500,000 in 14 years and 7 months, in , and at that time I will be 48 years old.

By that time I will have invested/saved another EUR 1,056,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,164,505


Financial independence forecast