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Net worth update per


This is druidic68's #4 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 662,922 and my FI portfolio decreased to EUR 492,922


Net worth

EUR 662,922

Since the last update on my net worth has decreased with EUR -6,501 ( -0.97 %).

FI portfolio

EUR 492,922

Since the last update on my FI portfolio has decreased with EUR -6,501 ( -1.3 %).

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 15,400 -11,200 4,200
Investments 450,300 +4,699 454,999
Retirement acc 33,723 0 33,723
Real estate 225,000 0 225,000
Other assets 0 0 0
Total assets 724,423 -6,501 717,922

Mortgage 55,000 0 55,000
Other debt 0 0 0
Total debt 55,000 0 55,000
Change
Cash 70,000 -65,800 4,200
Investments 363,000 +91,999 454,999
Retirement acc 22,000 +11,723 33,723
Real estate 225,000 0 225,000
Other assets 0 0 0
Total assets 680,000 +37,922 717,922

Mortgage 56,000 -1,000 55,000
Other debt 0 0 0
Total debt 56,000 -1,000 55,000
Change
Cash 70,000 -65,800 4,200
Investments 363,000 +91,999 454,999
Retirement acc 22,000 +11,723 33,723
Real estate 225,000 0 225,000
Other assets 0 0 0
Total assets 680,000 +37,922 717,922

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

I am now 24.6% on my way to achive my FIRE target of EUR 2,000,000. This is -0.3 percentage points closer, compared to the last net worth update.

EUR 492,922 FIRE target: EUR 2,000,000


24.6%

FI portfolio

My FI portfolio now consists of EUR 454,999 (92.3%) in investments, EUR 33,723 (6.8%) in retirement accounts, and EUR 4,200 (0.9%) in cash.

Investments

Since my last update, my investments increased with EUR 4,699 (1.04%).

Retirement accounts

Since my last update, my retirement accounts decreased with EUR 0 (0.0%).




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

If I quit working today, my monthly pay out would be EUR 1,643 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,643/month
(4.0% SWR)
1,437/month
(3.5% SWR)
1,232/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 9 months, in , and at that time I will be 55 years old.

By that time I will have invested/saved another EUR 300,800, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,206,278


Financial independence forecast