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Net worth update per


This is empathicBoa6's #7 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 803,100 and my FI portfolio increased to EUR 505,500


Net worth

EUR 803,100

Since the last update on my net worth has increased with EUR 37,590 (+ 4.91 %).

FI portfolio

EUR 505,500

Since the last update on my FI portfolio has increased with EUR 36,990 (+ 7.9 %).

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 56,000 -2,000 54,000
Investments 331,000 +34,000 365,000
Retirement acc 81,510 +4,990 86,500
Real estate 550,000 0 550,000
Other assets 0 0 0
Total assets 1,018,510 +36,990 1,055,500

Mortgage 253,000 -600 252,400
Other debt 0 0 0
Total debt 253,000 -600 252,400
Change
Cash 86,600 -32,600 54,000
Investments 142,000 +223,000 365,000
Retirement acc 58,500 +28,000 86,500
Real estate 521,000 + 29,000 550,000
Other assets 0 0 0
Total assets 808,100 +247,400 1,055,500

Mortgage 260,200 -7,800 252,400
Other debt 0 0 0
Total debt 260,200 -7,800 252,400
Change
Cash 121,000 -67,000 54,000
Investments 54,000 +311,000 365,000
Retirement acc 32,000 +54,500 86,500
Real estate 437,000 + 113,000 550,000
Other assets 0 0 0
Total assets 644,000 +411,500 1,055,500

Mortgage 290,500 -38,100 252,400
Other debt 0 0 0
Total debt 290,500 -38,100 252,400

I am now 33.7% on my way to achive my FIRE target of EUR 1,500,000. This is 2.5 percentage points closer, compared to the last net worth update.

EUR 505,500 FIRE target: EUR 1,500,000


33.7%

FI portfolio

My FI portfolio now consists of EUR 365,000 (72.2%) in investments, EUR 86,500 (17.1%) in retirement accounts, and EUR 54,000 (10.7%) in cash.

Investments

Since my last update, my investments increased with EUR 34,000 (10.27%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 4,990 (6.12%).




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

If I quit working today, my monthly pay out would be EUR 1,685 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,685/month
(4.0% SWR)
1,474/month
(3.5% SWR)
1,263/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 5 years and 0 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 485,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 509,500


Financial independence forecast