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Net worth update per


This is druidic68's #9 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 833,289 and my FI portfolio decreased to EUR 649,184


Net worth

EUR 833,289

Since the last update on my net worth has decreased with EUR -47,047 ( -5.34 %).

FI portfolio

EUR 649,184

Since the last update on my FI portfolio has decreased with EUR -48,341 ( -6.93 %).

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 9,500 -2,000 7,500
Investments 634,341 -46,341 588,000
Retirement acc 53,684 0 53,684
Real estate 231,920 + 80 232,000
Other assets 0 0 0
Total assets 929,445 -48,261 881,184

Mortgage 49,109 -1,214 47,895
Other debt 0 0 0
Total debt 49,109 -1,214 47,895
Change
Cash 9,500 -2,000 7,500
Investments 634,341 -46,341 588,000
Retirement acc 53,684 0 53,684
Real estate 231,920 + 80 232,000
Other assets 0 0 0
Total assets 929,445 -48,261 881,184

Mortgage 49,109 -1,214 47,895
Other debt 0 0 0
Total debt 49,109 -1,214 47,895
Change
Cash 70,000 -62,500 7,500
Investments 363,000 +225,000 588,000
Retirement acc 22,000 +31,684 53,684
Real estate 225,000 + 7,000 232,000
Other assets 0 0 0
Total assets 680,000 +201,184 881,184

Mortgage 56,000 -8,105 47,895
Other debt 0 0 0
Total debt 56,000 -8,105 47,895

I am now 32.5% on my way to achive my FIRE target of EUR 2,000,000. This is -2.4 percentage points closer, compared to the last net worth update.

EUR 649,184 FIRE target: EUR 2,000,000


32.5%

FI portfolio

My FI portfolio now consists of EUR 588,000 (90.6%) in investments, EUR 53,684 (8.3%) in retirement accounts, and EUR 7,500 (1.2%) in cash.

Investments

Since my last update, my investments decreased with EUR -46,341 (-7.31%).

Retirement accounts

Since my last update, my retirement accounts decreased with EUR 0 (0.0%).




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

If I quit working today, my monthly pay out would be EUR 2,163 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
2,163/month
(4.0% SWR)
1,893/month
(3.5% SWR)
1,622/month
(3.0% SWR)


When can I retire?

FI date

My age

53

I am currently aiming to save/invest approximately EUR 1,600 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 2,000,000 in 10 years and 8 months, in , and at that time I will be 53 years old.

By that time I will have invested/saved another EUR 249,600, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,101,216


Financial independence forecast