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Net worth update per


This is empathicBoa6's #21 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 932,900 and my FI portfolio decreased to EUR 716,900


Net worth

EUR 932,900

Since the last update on my net worth has increased with EUR 700 (+ 0.08 %).

FI portfolio

EUR 716,900

Since the last update on my FI portfolio has decreased with EUR -19,900 ( -2.7 %).

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 81,000 +13,900 94,900
Investments 549,000 -32,000 517,000
Retirement acc 106,800 -1,800 105,000
Real estate 971,000 0 971,000
Other assets 0 0 0
Total assets 1,707,800 -19,900 1,687,900

Mortgage 775,600 -20,600 755,000
Other debt 0 0 0
Total debt 775,600 -20,600 755,000
Change
Cash 113,000 -18,100 94,900
Investments 404,000 +113,000 517,000
Retirement acc 109,042 -4,042 105,000
Real estate 1,495,000 -524,000 971,000
Other assets 0 0 0
Total assets 2,121,042 -433,142 1,687,900

Mortgage 1,371,408 -616,408 755,000
Other debt 0 0 0
Total debt 1,371,408 -616,408 755,000
Change
Cash 121,000 -26,100 94,900
Investments 54,000 +463,000 517,000
Retirement acc 32,000 +73,000 105,000
Real estate 437,000 + 534,000 971,000
Other assets 0 0 0
Total assets 644,000 +1,043,900 1,687,900

Mortgage 290,500 464,500 755,000
Other debt 0 0 0
Total debt 290,500 + 464,500 755,000

I am now 47.8% on my way to achive my FIRE target of EUR 1,500,000. This is -1.3 percentage points closer, compared to the last net worth update.

EUR 716,900 FIRE target: EUR 1,500,000


47.8%

FI portfolio

My FI portfolio now consists of EUR 517,000 (72.1%) in investments, EUR 105,000 (14.6%) in retirement accounts, and EUR 94,900 (13.2%) in cash.

Investments

Since my last update, my investments decreased with EUR -32,000 (-5.83%).

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -1,800 (-1.69%).




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

If I quit working today, my monthly pay out would be EUR 2,389 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
2,389/month
(4.0% SWR)
2,090/month
(3.5% SWR)
1,792/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 0 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another EUR 360,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 423,100


Financial independence forecast