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Net worth update per


This is druidic68's #12 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 776,145 and my FI portfolio decreased to EUR 582,145


Net worth

EUR 776,145

Since the last update on my net worth has decreased with EUR -48,201 ( -5.85 %).

FI portfolio

EUR 582,145

Since the last update on my FI portfolio has decreased with EUR -49,878 ( -7.89 %).

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 5,100 -1,955 3,145
Investments 570,000 -48,000 522,000
Retirement acc 56,923 +77 57,000
Real estate 239,000 0 239,000
Other assets 0 0 0
Total assets 871,023 -49,878 821,145

Mortgage 46,677 -1,677 45,000
Other debt 0 0 0
Total debt 46,677 -1,677 45,000
Change
Cash 9,500 -6,355 3,145
Investments 634,341 -112,341 522,000
Retirement acc 53,684 +3,316 57,000
Real estate 231,920 + 7,080 239,000
Other assets 0 0 0
Total assets 929,445 -108,300 821,145

Mortgage 49,109 -4,109 45,000
Other debt 0 0 0
Total debt 49,109 -4,109 45,000
Change
Cash 70,000 -66,855 3,145
Investments 363,000 +159,000 522,000
Retirement acc 22,000 +35,000 57,000
Real estate 225,000 + 14,000 239,000
Other assets 0 0 0
Total assets 680,000 +141,145 821,145

Mortgage 56,000 -11,000 45,000
Other debt 0 0 0
Total debt 56,000 -11,000 45,000

I am now 29.1% on my way to achive my FIRE target of EUR 2,000,000. This is -2.5 percentage points closer, compared to the last net worth update.

EUR 582,145 FIRE target: EUR 2,000,000


29.1%

FI portfolio

My FI portfolio now consists of EUR 522,000 (89.7%) in investments, EUR 57,000 (9.8%) in retirement accounts, and EUR 3,145 (0.5%) in cash.

Investments

Since my last update, my investments decreased with EUR -48,000 (-8.42%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 77 (0.14%).




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

If I quit working today, my monthly pay out would be EUR 1,940 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,940/month
(4.0% SWR)
1,697/month
(3.5% SWR)
1,455/month
(3.0% SWR)


When can I retire?

FI date

My age

55

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 12 years and 1 months, in , and at that time I will be 55 years old.

By that time I will have invested/saved another EUR 270,400, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,147,455


Financial independence forecast