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Net worth update per


This is empathicBoa6's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 547,900 and my FI portfolio increased to EUR 287,100


Net worth

EUR 547,900

Since the last update on my net worth has increased with EUR 110,910 (+ 25.38 %).

FI portfolio

EUR 287,100

Since the last update on my FI portfolio has increased with EUR 28,760 (+ 11.13 %).

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 131,000 -44,400 86,600
Investments 91,740 +50,260 142,000
Retirement acc 35,600 +22,900 58,500
Real estate 467,000 + 54,000 521,000
Other assets 0 0 0
Total assets 725,340 +82,760 808,100

Mortgage 288,350 -28,150 260,200
Other debt 0 0 0
Total debt 288,350 -28,150 260,200
Change
Cash 131,000 -44,400 86,600
Investments 91,740 +50,260 142,000
Retirement acc 35,600 +22,900 58,500
Real estate 467,000 + 54,000 521,000
Other assets 0 0 0
Total assets 725,340 +82,760 808,100

Mortgage 288,350 -28,150 260,200
Other debt 0 0 0
Total debt 288,350 -28,150 260,200
Change
Cash 121,000 -34,400 86,600
Investments 54,000 +88,000 142,000
Retirement acc 32,000 +26,500 58,500
Real estate 437,000 + 84,000 521,000
Other assets 0 0 0
Total assets 644,000 +164,100 808,100

Mortgage 290,500 -30,300 260,200
Other debt 0 0 0
Total debt 290,500 -30,300 260,200

I am now 19.1% on my way to achive my FIRE target of EUR 1,500,000. This is 1.9 percentage points closer, compared to the last net worth update.

EUR 287,100 FIRE target: EUR 1,500,000


19.1%

FI portfolio

My FI portfolio now consists of EUR 142,000 (49.5%) in investments, EUR 58,500 (20.4%) in retirement accounts, and EUR 86,600 (30.2%) in cash.

Investments

Since my last update, my investments increased with EUR 50,260 (54.79%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 22,900 (64.33%).




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

If I quit working today, my monthly pay out would be EUR 957 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
957/month
(4.0% SWR)
837/month
(3.5% SWR)
717/month
(3.0% SWR)


When can I retire?

FI date

My age

48

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 5 years and 5 months, in , and at that time I will be 48 years old.

By that time I will have invested/saved another EUR 650,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 562,900


Financial independence forecast