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Net worth update per


This is Nopius's #52 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 633,753 and my FI portfolio increased to EUR 364,038


Net worth

EUR 633,753

Since the last update on my net worth has increased with EUR 13,543 (+ 2.18 %).

FI portfolio

EUR 364,038

Since the last update on my FI portfolio has increased with EUR 12,121 (+ 3.44 %).

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 103,000 +600 103,600
Investments 223,817 +11,191 235,008
Retirement acc 25,100 +330 25,430
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 651,917 +12,121 664,038

Mortgage 31,707 -1,422 30,285
Other debt 0 0 0
Total debt 31,707 -1,422 30,285
Change
Cash 99,700 +3,900 103,600
Investments 223,296 +11,712 235,008
Retirement acc 23,770 +1,660 25,430
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 646,766 +17,272 664,038

Mortgage 37,367 -7,082 30,285
Other debt 0 0 0
Total debt 37,367 -7,082 30,285
Change
Cash 93,450 +10,150 103,600
Investments 17,822 +217,186 235,008
Retirement acc 10,120 +15,310 25,430
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 421,392 +242,646 664,038

Mortgage 95,590 -65,305 30,285
Other debt 0 0 0
Total debt 95,590 -65,305 30,285

I am now 36.4% on my way to achive my FIRE target of EUR 1,000,000. This is 1.2 percentage points closer, compared to the last net worth update.

EUR 364,038 FIRE target: EUR 1,000,000


36.4%

FI portfolio

My FI portfolio now consists of EUR 235,008 (64.6%) in investments, EUR 25,430 (7.0%) in retirement accounts, and EUR 103,600 (28.5%) in cash.

Investments

Since my last update, my investments increased with EUR 11,191 (5.0%), of which EUR 1,500 was from contributions, and EUR 9,691 was from returns.

Since I started tracking, my total contributions have been EUR 160,499, and my total return has been EUR 56,687.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 330 (1.31%), of which EUR 330 was from contributions , and EUR 0 was from returns.

Since I started tracking, my total contributions have been EUR 15,127, and my total return is EUR 183.




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

If I quit working today, my monthly pay out would be EUR 1,213 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,213/month
(4.0% SWR)
1,061/month
(3.5% SWR)
910/month
(3.0% SWR)


When can I retire?

FI date

My age

54

I am currently aiming to save/invest approximately EUR 1,000 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 15 years and 8 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another EUR 189,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 446,962


Financial independence forecast