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Net worth update per


This is empathicBoa6's #5 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 734,200 and my FI portfolio increased to EUR 437,700


Net worth

EUR 734,200

Since the last update on my net worth has increased with EUR 12,200 (+ 1.69 %).

FI portfolio

EUR 437,700

Since the last update on my FI portfolio has increased with EUR 11,700 (+ 2.75 %).

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 105,000 -48,000 57,000
Investments 243,000 +57,000 300,000
Retirement acc 78,000 +2,700 80,700
Real estate 550,000 0 550,000
Other assets 0 0 0
Total assets 976,000 +11,700 987,700

Mortgage 254,000 -500 253,500
Other debt 0 0 0
Total debt 254,000 -500 253,500
Change
Cash 86,600 -29,600 57,000
Investments 142,000 +158,000 300,000
Retirement acc 58,500 +22,200 80,700
Real estate 521,000 + 29,000 550,000
Other assets 0 0 0
Total assets 808,100 +179,600 987,700

Mortgage 260,200 -6,700 253,500
Other debt 0 0 0
Total debt 260,200 -6,700 253,500
Change
Cash 121,000 -64,000 57,000
Investments 54,000 +246,000 300,000
Retirement acc 32,000 +48,700 80,700
Real estate 437,000 + 113,000 550,000
Other assets 0 0 0
Total assets 644,000 +343,700 987,700

Mortgage 290,500 -37,000 253,500
Other debt 0 0 0
Total debt 290,500 -37,000 253,500

I am now 29.2% on my way to achive my FIRE target of EUR 1,500,000. This is 0.8 percentage points closer, compared to the last net worth update.

EUR 437,700 FIRE target: EUR 1,500,000


29.2%

FI portfolio

My FI portfolio now consists of EUR 300,000 (68.5%) in investments, EUR 80,700 (18.4%) in retirement accounts, and EUR 57,000 (13.0%) in cash.

Investments

Since my last update, my investments increased with EUR 57,000 (23.46%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 2,700 (3.46%).




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

If I quit working today, my monthly pay out would be EUR 1,459 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,459/month
(4.0% SWR)
1,276/month
(3.5% SWR)
1,094/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 6 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 530,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 532,300


Financial independence forecast