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Net worth update per


This is empathicBoa6's #23 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 956,000 and my FI portfolio increased to EUR 759,000


Net worth

EUR 956,000

Since the last update on my net worth has increased with EUR 64,000 (+ 7.17 %).

FI portfolio

EUR 759,000

Since the last update on my FI portfolio has increased with EUR 63,500 (+ 9.13 %).

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 76,000 +46,000 122,000
Investments 519,000 +7,000 526,000
Retirement acc 100,500 +10,500 111,000
Real estate 971,000 0 971,000
Other assets 0 0 0
Total assets 1,666,500 +63,500 1,730,000

Mortgage 774,500 -500 774,000
Other debt 0 0 0
Total debt 774,500 -500 774,000
Change
Cash 113,000 +9,000 122,000
Investments 404,000 +122,000 526,000
Retirement acc 109,042 +1,958 111,000
Real estate 1,495,000 -524,000 971,000
Other assets 0 0 0
Total assets 2,121,042 -391,042 1,730,000

Mortgage 1,371,408 -597,408 774,000
Other debt 0 0 0
Total debt 1,371,408 -597,408 774,000
Change
Cash 121,000 +1,000 122,000
Investments 54,000 +472,000 526,000
Retirement acc 32,000 +79,000 111,000
Real estate 437,000 + 534,000 971,000
Other assets 0 0 0
Total assets 644,000 +1,086,000 1,730,000

Mortgage 290,500 483,500 774,000
Other debt 0 0 0
Total debt 290,500 + 483,500 774,000

I am now 50.6% on my way to achive my FIRE target of EUR 1,500,000. This is 4.2 percentage points closer, compared to the last net worth update.

EUR 759,000 FIRE target: EUR 1,500,000


50.6%

FI portfolio

My FI portfolio now consists of EUR 526,000 (69.3%) in investments, EUR 111,000 (14.6%) in retirement accounts, and EUR 122,000 (16.1%) in cash.

Investments

Since my last update, my investments increased with EUR 7,000 (1.35%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 10,500 (10.45%).




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

If I quit working today, my monthly pay out would be EUR 2,530 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
2,530/month
(4.0% SWR)
2,213/month
(3.5% SWR)
1,897/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 11 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another EUR 340,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 401,000


Financial independence forecast