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Net worth update per


This is empathicBoa6's #9 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 826,943 and my FI portfolio decreased to EUR 528,143


Net worth

EUR 826,943

Since the last update on my net worth has decreased with EUR -24,857 ( -2.92 %).

FI portfolio

EUR 528,143

Since the last update on my FI portfolio has decreased with EUR -25,457 ( -4.6 %).

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 55,000 +3,000 58,000
Investments 410,000 -30,000 380,000
Retirement acc 88,600 +1,543 90,143
Real estate 550,000 0 550,000
Other assets 0 0 0
Total assets 1,103,600 -25,457 1,078,143

Mortgage 251,800 -600 251,200
Other debt 0 0 0
Total debt 251,800 -600 251,200
Change
Cash 86,600 -28,600 58,000
Investments 142,000 +238,000 380,000
Retirement acc 58,500 +31,643 90,143
Real estate 521,000 + 29,000 550,000
Other assets 0 0 0
Total assets 808,100 +270,043 1,078,143

Mortgage 260,200 -9,000 251,200
Other debt 0 0 0
Total debt 260,200 -9,000 251,200
Change
Cash 121,000 -63,000 58,000
Investments 54,000 +326,000 380,000
Retirement acc 32,000 +58,143 90,143
Real estate 437,000 + 113,000 550,000
Other assets 0 0 0
Total assets 644,000 +434,143 1,078,143

Mortgage 290,500 -39,300 251,200
Other debt 0 0 0
Total debt 290,500 -39,300 251,200

I am now 35.2% on my way to achive my FIRE target of EUR 1,500,000. This is -1.7 percentage points closer, compared to the last net worth update.

EUR 528,143 FIRE target: EUR 1,500,000


35.2%

FI portfolio

My FI portfolio now consists of EUR 380,000 (72.0%) in investments, EUR 90,143 (17.1%) in retirement accounts, and EUR 58,000 (11.0%) in cash.

Investments

Since my last update, my investments decreased with EUR -30,000 (-7.32%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 1,543 (1.74%).




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

If I quit working today, my monthly pay out would be EUR 1,760 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,760/month
(4.0% SWR)
1,540/month
(3.5% SWR)
1,320/month
(3.0% SWR)


When can I retire?

FI date

My age

47

I am currently aiming to save/invest approximately EUR 5,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,500,000 in 4 years and 11 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 470,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 501,857


Financial independence forecast