Net return
AssetsThe numbers shown come from a sample profile for illustration – in the calculator you see your own values.
Net return shows by what percentage your total wealth grows per year on balance – after deducting the interest cost of your debts. It combines the returns of all three building blocks, weighted by their share, and honestly subtracts the debt burden.
Because you have not broken down your building blocks yet, FireLotse works with flat rates per block: Safety 1.5%, Return 6.0%, High-risk 12.0%. For more precise values, break down the subcategories in the Assets view using the ▼ button.
Example:Portfolio: €50,000 Safety (1.5%), €100,000 Return (6.0%), €25,000 High-risk (12.0%). Gross return = (50k × 1.5 + 100k × 6.0 + 25k × 12.0) ÷ 175k = 5.36%. With €20,000 of debt at 5% → interest correction: €1,000 ÷ €155,000 = 0.65%. Net return = 5.36% − 0.65% = 4.71%.
How it is calculated
Gross return = Σ(block value × block return) ÷ gross assets
Net return = gross return − (debt interest ÷ net worth × 100)
Good to know
Improve accuracy:Open the Assets view and expand the building blocks via ▼. As soon as you enter subcategories, FireLotse uses the exact returns of your asset classes.