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Net worth update per


This is druidic68's #3 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 669,423 and my FI portfolio decreased to EUR 499,423


Net worth

EUR 669,423

Since the last update on my net worth has decreased with EUR -24,776 ( -3.57 %).

FI portfolio

EUR 499,423

Since the last update on my FI portfolio has decreased with EUR -25,776 ( -4.91 %).

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 15,500 -100 15,400
Investments 475,999 -25,699 450,300
Retirement acc 33,700 +23 33,723
Real estate 225,000 0 225,000
Other assets 0 0 0
Total assets 750,199 -25,776 724,423

Mortgage 56,000 -1,000 55,000
Other debt 0 0 0
Total debt 56,000 -1,000 55,000
Change
Cash 70,000 -54,600 15,400
Investments 363,000 +87,300 450,300
Retirement acc 22,000 +11,723 33,723
Real estate 225,000 0 225,000
Other assets 0 0 0
Total assets 680,000 +44,423 724,423

Mortgage 56,000 -1,000 55,000
Other debt 0 0 0
Total debt 56,000 -1,000 55,000
Change
Cash 70,000 -54,600 15,400
Investments 363,000 +87,300 450,300
Retirement acc 22,000 +11,723 33,723
Real estate 225,000 0 225,000
Other assets 0 0 0
Total assets 680,000 +44,423 724,423

Mortgage 56,000 -1,000 55,000
Other debt 0 0 0
Total debt 56,000 -1,000 55,000

I am now 25.0% on my way to achive my FIRE target of EUR 2,000,000. This is -1.3 percentage points closer, compared to the last net worth update.

EUR 499,423 FIRE target: EUR 2,000,000


25.0%

FI portfolio

My FI portfolio now consists of EUR 450,300 (90.2%) in investments, EUR 33,723 (6.8%) in retirement accounts, and EUR 15,400 (3.1%) in cash.

Investments

Since my last update, my investments decreased with EUR -25,699 (-5.4%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 23 (0.07%).




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

If I quit working today, my monthly pay out would be EUR 1,664 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,664/month
(4.0% SWR)
1,456/month
(3.5% SWR)
1,248/month
(3.0% SWR)


When can I retire?

FI date

My age

55

I am currently aiming to save/invest approximately EUR 1,600 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 2,000,000 in 11 years and 7 months, in , and at that time I will be 55 years old.

By that time I will have invested/saved another EUR 299,200, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,201,377


Financial independence forecast