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Net worth update per


This is empathicBoa6's #19 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 940,700 and my FI portfolio increased to EUR 745,800


Net worth

EUR 940,700

Since the last update on my net worth has increased with EUR 42,870 (+ 4.77 %).

FI portfolio

EUR 745,800

Since the last update on my FI portfolio has increased with EUR 42,304 (+ 6.01 %).

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 94,000 -8,000 86,000
Investments 503,472 +46,528 550,000
Retirement acc 106,024 +3,776 109,800
Real estate 971,000 0 971,000
Other assets 0 0 0
Total assets 1,674,496 +42,304 1,716,800

Mortgage 776,666 -566 776,100
Other debt 0 0 0
Total debt 776,666 -566 776,100
Change
Cash 113,000 -27,000 86,000
Investments 404,000 +146,000 550,000
Retirement acc 109,042 +758 109,800
Real estate 1,495,000 -524,000 971,000
Other assets 0 0 0
Total assets 2,121,042 -404,242 1,716,800

Mortgage 1,371,408 -595,308 776,100
Other debt 0 0 0
Total debt 1,371,408 -595,308 776,100
Change
Cash 121,000 -35,000 86,000
Investments 54,000 +496,000 550,000
Retirement acc 32,000 +77,800 109,800
Real estate 437,000 + 534,000 971,000
Other assets 0 0 0
Total assets 644,000 +1,072,800 1,716,800

Mortgage 290,500 485,600 776,100
Other debt 0 0 0
Total debt 290,500 + 485,600 776,100

I am now 49.7% on my way to achive my FIRE target of EUR 1,500,000. This is 2.8 percentage points closer, compared to the last net worth update.

EUR 745,800 FIRE target: EUR 1,500,000


49.7%

FI portfolio

My FI portfolio now consists of EUR 550,000 (73.7%) in investments, EUR 109,800 (14.7%) in retirement accounts, and EUR 86,000 (11.5%) in cash.

Investments

Since my last update, my investments increased with EUR 46,528 (9.24%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 3,776 (3.56%).




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

If I quit working today, my monthly pay out would be EUR 2,486 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
2,486/month
(4.0% SWR)
2,175/month
(3.5% SWR)
1,864/month
(3.0% SWR)


When can I retire?

FI date

My age

45

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 2 years and 7 months, in , and at that time I will be 45 years old.

By that time I will have invested/saved another EUR 345,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 409,200


Financial independence forecast