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Net worth update per


This is empathicBoa6's #12 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 896,614 and my FI portfolio increased to EUR 596,050


Net worth

EUR 896,614

Since the last update on my net worth has increased with EUR 33,480 (+ 3.88 %).

FI portfolio

EUR 596,050

Since the last update on my FI portfolio has increased with EUR 32,891 (+ 5.84 %).

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 76,000 +2,150 78,150
Investments 390,260 +26,740 417,000
Retirement acc 96,899 +4,001 100,900
Real estate 550,000 0 550,000
Other assets 0 0 0
Total assets 1,113,159 +32,891 1,146,050

Mortgage 250,025 -589 249,436
Other debt 0 0 0
Total debt 250,025 -589 249,436
Change
Cash 86,600 -8,450 78,150
Investments 142,000 +275,000 417,000
Retirement acc 58,500 +42,400 100,900
Real estate 521,000 + 29,000 550,000
Other assets 0 0 0
Total assets 808,100 +337,950 1,146,050

Mortgage 260,200 -10,764 249,436
Other debt 0 0 0
Total debt 260,200 -10,764 249,436
Change
Cash 121,000 -42,850 78,150
Investments 54,000 +363,000 417,000
Retirement acc 32,000 +68,900 100,900
Real estate 437,000 + 113,000 550,000
Other assets 0 0 0
Total assets 644,000 +502,050 1,146,050

Mortgage 290,500 -41,064 249,436
Other debt 0 0 0
Total debt 290,500 -41,064 249,436

I am now 39.7% on my way to achive my FIRE target of EUR 1,500,000. This is 2.2 percentage points closer, compared to the last net worth update.

EUR 596,050 FIRE target: EUR 1,500,000


39.7%

FI portfolio

My FI portfolio now consists of EUR 417,000 (70.0%) in investments, EUR 100,900 (16.9%) in retirement accounts, and EUR 78,150 (13.1%) in cash.

Investments

Since my last update, my investments increased with EUR 26,740 (6.85%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 4,001 (4.13%).




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

If I quit working today, my monthly pay out would be EUR 1,986 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,986/month
(4.0% SWR)
1,738/month
(3.5% SWR)
1,490/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 6 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another EUR 430,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 473,950


Financial independence forecast