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Net worth update per


This is empathicBoa6's #14 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 739,465 and my FI portfolio increased to EUR 617,550


Net worth

EUR 739,465

Since the last update on my net worth has increased with EUR 32,269 (+ 4.56 %).

FI portfolio

EUR 617,550

Since the last update on my FI portfolio has increased with EUR 30,920 (+ 5.27 %).

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 102,200 -5,750 96,450
Investments 385,000 +29,000 414,000
Retirement acc 99,430 +7,670 107,100
Real estate 1,495,000 0 1,495,000
Other assets 0 0 0
Total assets 2,081,630 +30,920 2,112,550

Mortgage 1,374,434 -1,349 1,373,085
Other debt 0 0 0
Total debt 1,374,434 -1,349 1,373,085
Change
Cash 86,600 +9,850 96,450
Investments 142,000 +272,000 414,000
Retirement acc 58,500 +48,600 107,100
Real estate 521,000 + 974,000 1,495,000
Other assets 0 0 0
Total assets 808,100 +1,304,450 2,112,550

Mortgage 260,200 1,112,885 1,373,085
Other debt 0 0 0
Total debt 260,200 1,112,885 1,373,085
Change
Cash 121,000 -24,550 96,450
Investments 54,000 +360,000 414,000
Retirement acc 32,000 +75,100 107,100
Real estate 437,000 + 1,058,000 1,495,000
Other assets 0 0 0
Total assets 644,000 +1,468,550 2,112,550

Mortgage 290,500 1,082,585 1,373,085
Other debt 0 0 0
Total debt 290,500 + 1,082,585 1,373,085

I am now 41.2% on my way to achive my FIRE target of EUR 1,500,000. This is 2.1 percentage points closer, compared to the last net worth update.

EUR 617,550 FIRE target: EUR 1,500,000


41.2%

FI portfolio

My FI portfolio now consists of EUR 414,000 (67.0%) in investments, EUR 107,100 (17.3%) in retirement accounts, and EUR 96,450 (15.6%) in cash.

Investments

Since my last update, my investments increased with EUR 29,000 (7.53%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 7,670 (7.71%).




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

If I quit working today, my monthly pay out would be EUR 2,058 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
2,058/month
(4.0% SWR)
1,801/month
(3.5% SWR)
1,543/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 3 years and 5 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another EUR 420,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 462,450


Financial independence forecast