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Net worth update per


This is empathicBoa6's #10 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 837,249 and my FI portfolio increased to EUR 537,860


Net worth

EUR 837,249

Since the last update on my net worth has increased with EUR 10,306 (+ 1.25 %).

FI portfolio

EUR 537,860

Since the last update on my FI portfolio has increased with EUR 9,717 (+ 1.84 %).

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 58,000 -1,000 57,000
Investments 380,000 +6,000 386,000
Retirement acc 90,143 +4,717 94,860
Real estate 550,000 0 550,000
Other assets 0 0 0
Total assets 1,078,143 +9,717 1,087,860

Mortgage 251,200 -589 250,611
Other debt 0 0 0
Total debt 251,200 -589 250,611
Change
Cash 86,600 -29,600 57,000
Investments 142,000 +244,000 386,000
Retirement acc 58,500 +36,360 94,860
Real estate 521,000 + 29,000 550,000
Other assets 0 0 0
Total assets 808,100 +279,760 1,087,860

Mortgage 260,200 -9,589 250,611
Other debt 0 0 0
Total debt 260,200 -9,589 250,611
Change
Cash 121,000 -64,000 57,000
Investments 54,000 +332,000 386,000
Retirement acc 32,000 +62,860 94,860
Real estate 437,000 + 113,000 550,000
Other assets 0 0 0
Total assets 644,000 +443,860 1,087,860

Mortgage 290,500 -39,889 250,611
Other debt 0 0 0
Total debt 290,500 -39,889 250,611

I am now 35.9% on my way to achive my FIRE target of EUR 1,500,000. This is 0.6 percentage points closer, compared to the last net worth update.

EUR 537,860 FIRE target: EUR 1,500,000


35.9%

FI portfolio

My FI portfolio now consists of EUR 386,000 (71.8%) in investments, EUR 94,860 (17.6%) in retirement accounts, and EUR 57,000 (10.6%) in cash.

Investments

Since my last update, my investments increased with EUR 6,000 (1.58%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 4,717 (5.23%).




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

If I quit working today, my monthly pay out would be EUR 1,792 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,792/month
(4.0% SWR)
1,568/month
(3.5% SWR)
1,344/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 3 years and 10 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 465,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 497,140


Financial independence forecast