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Net worth update per


This is druidic68's #11 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 824,346 and my FI portfolio increased to EUR 632,023


Net worth

EUR 824,346

Since the last update on my net worth has increased with EUR 72,723 (+ 9.68 %).

FI portfolio

EUR 632,023

Since the last update on my FI portfolio has increased with EUR 65,400 (+ 11.54 %).

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 7,700 -2,600 5,100
Investments 502,000 +68,000 570,000
Retirement acc 56,923 0 56,923
Real estate 232,000 + 7,000 239,000
Other assets 0 0 0
Total assets 798,623 +72,400 871,023

Mortgage 47,000 -323 46,677
Other debt 0 0 0
Total debt 47,000 -323 46,677
Change
Cash 9,500 -4,400 5,100
Investments 634,341 -64,341 570,000
Retirement acc 53,684 +3,239 56,923
Real estate 231,920 + 7,080 239,000
Other assets 0 0 0
Total assets 929,445 -58,422 871,023

Mortgage 49,109 -2,432 46,677
Other debt 0 0 0
Total debt 49,109 -2,432 46,677
Change
Cash 70,000 -64,900 5,100
Investments 363,000 +207,000 570,000
Retirement acc 22,000 +34,923 56,923
Real estate 225,000 + 14,000 239,000
Other assets 0 0 0
Total assets 680,000 +191,023 871,023

Mortgage 56,000 -9,323 46,677
Other debt 0 0 0
Total debt 56,000 -9,323 46,677

I am now 31.6% on my way to achive my FIRE target of EUR 2,000,000. This is 3.3 percentage points closer, compared to the last net worth update.

EUR 632,023 FIRE target: EUR 2,000,000


31.6%

FI portfolio

My FI portfolio now consists of EUR 570,000 (90.2%) in investments, EUR 56,923 (9.0%) in retirement accounts, and EUR 5,100 (0.8%) in cash.

Investments

Since my last update, my investments increased with EUR 68,000 (13.55%).

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 2,106 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
2,106/month
(4.0% SWR)
1,843/month
(3.5% SWR)
1,580/month
(3.0% SWR)


When can I retire?

FI date

My age

54

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 1 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another EUR 254,400, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,113,577


Financial independence forecast