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Net worth update per May 3rd 2025


This is holisticRhino3's #66 net worth update. Please check out my profile here for more information. As of May 3rd 2025, my net worth increased to EUR 129,789 and my FI portfolio increased to EUR 84,550


Net worth

EUR 129,789

Since the last update on February 5th 2025 my net worth has increased with EUR 1,230 (+ 0.96 %).

FI portfolio

EUR 84,550

Since the last update on February 5th 2025 my FI portfolio has increased with EUR 660 (+ 0.79 %).

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.
5 Feb 25 Change 3 May 25
Cash 3,500 +400 3,900
Investments 67,120 +1,280 68,400
Retirement acc 13,270 -1,020 12,250
Real estate 135,000 0 135,000
Other assets 5,000 0 5,000
Total assets 223,890 +660 224,550

Mortgage 95,331 -570 94,761
Other debt 0 0 0
Total debt 95,331 -570 94,761
16 Dec 24 Change 3 May 25
Cash 5,800 -1,900 3,900
Investments 60,643 +7,757 68,400
Retirement acc 12,830 -580 12,250
Real estate 135,000 0 135,000
Other assets 5,000 0 5,000
Total assets 219,273 +5,277 224,550

Mortgage 95,460 -699 94,761
Other debt 0 0 0
Total debt 95,460 -699 94,761
24 Sep 20 Change 3 May 25
Cash 100 +3,800 3,900
Investments 900 +67,500 68,400
Retirement acc 0 +12,250 12,250
Real estate 0 + 135,000 135,000
Other assets 1,000 + 4,000 5,000
Total assets 2,000 +222,550 224,550

Mortgage 0 94,761 94,761
Other debt 0 0 0
Total debt 0 + 94,761 94,761

I am now 10.6% on my way to achive my FIRE target of EUR 800,000. This is 0.1 percentage points closer, compared to the last net worth update.

EUR 84,550 FIRE target: EUR 800,000


10.6%

FI portfolio

My FI portfolio now consists of EUR 68,400 (80.9%) in investments, EUR 12,250 (14.5%) in retirement accounts, and EUR 3,900 (4.6%) in cash.

Investments

Since my last update, my investments increased with EUR 1,280 (1.91%), of which EUR 3,700 was from contributions, and EUR -2,420 was from returns.

Since I started tracking, my total contributions have been EUR 56,644, and my total return has been EUR 10,856.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -1,020 (-7.69%), of which EUR 400 was from contributions , and EUR -1,420 was from returns.

Since I started tracking, my total contributions have been EUR 11,968, and my total return is EUR 282.




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

If I quit working today, my monthly pay out would be EUR 281 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
281/month
(4.0% SWR)
246/month
(3.5% SWR)
211/month
(3.0% SWR)


When can I retire?

FI date

October 2036

My age

37

I am currently aiming to save/invest approximately EUR 2,150 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 800,000 in 11 years and 4 months, in October 2036, and at that time I will be 37 years old.

By that time I will have invested/saved another EUR 294,550, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 420,900


Financial independence forecast