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Net worth update per


This is holisticRhino3's #67 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 141,213 and my FI portfolio increased to EUR 95,696


Net worth

EUR 141,213

Since the last update on my net worth has increased with EUR 11,424 (+ 8.8 %).

FI portfolio

EUR 95,696

Since the last update on my FI portfolio has increased with EUR 11,146 (+ 13.18 %).

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 3,900 +1,195 5,095
Investments 68,400 +8,450 76,850
Retirement acc 12,250 +1,501 13,751
Real estate 135,000 0 135,000
Other assets 5,000 0 5,000
Total assets 224,550 +11,146 235,696

Mortgage 94,761 -278 94,483
Other debt 0 0 0
Total debt 94,761 -278 94,483
Change
Cash 5,800 -705 5,095
Investments 60,643 +16,207 76,850
Retirement acc 12,830 +921 13,751
Real estate 135,000 0 135,000
Other assets 5,000 0 5,000
Total assets 219,273 +16,423 235,696

Mortgage 95,460 -977 94,483
Other debt 0 0 0
Total debt 95,460 -977 94,483
Change
Cash 100 +4,995 5,095
Investments 900 +75,950 76,850
Retirement acc 0 +13,751 13,751
Real estate 0 + 135,000 135,000
Other assets 1,000 + 4,000 5,000
Total assets 2,000 +233,696 235,696

Mortgage 0 94,483 94,483
Other debt 0 0 0
Total debt 0 + 94,483 94,483

I am now 12.0% on my way to achive my FIRE target of EUR 800,000. This is 1.4 percentage points closer, compared to the last net worth update.

EUR 95,696 FIRE target: EUR 800,000


12.0%

FI portfolio

My FI portfolio now consists of EUR 76,850 (80.3%) in investments, EUR 13,751 (14.4%) in retirement accounts, and EUR 5,095 (5.3%) in cash.

Investments

Since my last update, my investments increased with EUR 8,450 (12.35%), of which EUR 6,400 was from contributions, and EUR 2,050 was from returns.

Since I started tracking, my total contributions have been EUR 63,044, and my total return has been EUR 12,906.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 1,501 (12.25%), of which EUR 958 was from contributions , and EUR 543 was from returns.

Since I started tracking, my total contributions have been EUR 12,926, and my total return is EUR 825.




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

If I quit working today, my monthly pay out would be EUR 318 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
318/month
(4.0% SWR)
279/month
(3.5% SWR)
239/month
(3.0% SWR)


When can I retire?

FI date

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 0 months, in , and at that time I will be 37 years old.

By that time I will have invested/saved another EUR 285,950, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 418,354


Financial independence forecast