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Net worth update per


This is empathicBoa6's #8 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 851,800 and my FI portfolio increased to EUR 553,600


Net worth

EUR 851,800

Since the last update on my net worth has increased with EUR 48,700 (+ 6.06 %).

FI portfolio

EUR 553,600

Since the last update on my FI portfolio has increased with EUR 48,100 (+ 9.52 %).

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 54,000 +1,000 55,000
Investments 365,000 +45,000 410,000
Retirement acc 86,500 +2,100 88,600
Real estate 550,000 0 550,000
Other assets 0 0 0
Total assets 1,055,500 +48,100 1,103,600

Mortgage 252,400 -600 251,800
Other debt 0 0 0
Total debt 252,400 -600 251,800
Change
Cash 86,600 -31,600 55,000
Investments 142,000 +268,000 410,000
Retirement acc 58,500 +30,100 88,600
Real estate 521,000 + 29,000 550,000
Other assets 0 0 0
Total assets 808,100 +295,500 1,103,600

Mortgage 260,200 -8,400 251,800
Other debt 0 0 0
Total debt 260,200 -8,400 251,800
Change
Cash 121,000 -66,000 55,000
Investments 54,000 +356,000 410,000
Retirement acc 32,000 +56,600 88,600
Real estate 437,000 + 113,000 550,000
Other assets 0 0 0
Total assets 644,000 +459,600 1,103,600

Mortgage 290,500 -38,700 251,800
Other debt 0 0 0
Total debt 290,500 -38,700 251,800

I am now 36.9% on my way to achive my FIRE target of EUR 1,500,000. This is 3.2 percentage points closer, compared to the last net worth update.

EUR 553,600 FIRE target: EUR 1,500,000


36.9%

FI portfolio

My FI portfolio now consists of EUR 410,000 (74.1%) in investments, EUR 88,600 (16.0%) in retirement accounts, and EUR 55,000 (9.9%) in cash.

Investments

Since my last update, my investments increased with EUR 45,000 (12.33%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 2,100 (2.43%).




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

If I quit working today, my monthly pay out would be EUR 1,845 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,845/month
(4.0% SWR)
1,614/month
(3.5% SWR)
1,384/month
(3.0% SWR)


When can I retire?

FI date

My age

46

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 7 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another EUR 455,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 491,400


Financial independence forecast