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Net worth update per


This is empathicBoa6's #15 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 749,634 and my FI portfolio increased to EUR 626,042


Net worth

EUR 749,634

Since the last update on my net worth has increased with EUR 10,169 (+ 1.38 %).

FI portfolio

EUR 626,042

Since the last update on my FI portfolio has increased with EUR 8,492 (+ 1.38 %).

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 96,450 +16,550 113,000
Investments 414,000 -10,000 404,000
Retirement acc 107,100 +1,942 109,042
Real estate 1,495,000 0 1,495,000
Other assets 0 0 0
Total assets 2,112,550 +8,492 2,121,042

Mortgage 1,373,085 -1,677 1,371,408
Other debt 0 0 0
Total debt 1,373,085 -1,677 1,371,408
Change
Cash 86,600 +26,400 113,000
Investments 142,000 +262,000 404,000
Retirement acc 58,500 +50,542 109,042
Real estate 521,000 + 974,000 1,495,000
Other assets 0 0 0
Total assets 808,100 +1,312,942 2,121,042

Mortgage 260,200 1,111,208 1,371,408
Other debt 0 0 0
Total debt 260,200 1,111,208 1,371,408
Change
Cash 121,000 -8,000 113,000
Investments 54,000 +350,000 404,000
Retirement acc 32,000 +77,042 109,042
Real estate 437,000 + 1,058,000 1,495,000
Other assets 0 0 0
Total assets 644,000 +1,477,042 2,121,042

Mortgage 290,500 1,080,908 1,371,408
Other debt 0 0 0
Total debt 290,500 + 1,080,908 1,371,408

I am now 41.7% 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 626,042 FIRE target: EUR 1,500,000


41.7%

FI portfolio

My FI portfolio now consists of EUR 404,000 (64.5%) in investments, EUR 109,042 (17.4%) in retirement accounts, and EUR 113,000 (18.0%) in cash.

Investments

Since my last update, my investments decreased with EUR -10,000 (-2.42%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 1,942 (1.81%).




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

If I quit working today, my monthly pay out would be EUR 2,086 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
2,086/month
(4.0% SWR)
1,825/month
(3.5% SWR)
1,565/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 6 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 453,958


Financial independence forecast