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Net worth update per


This is empathicBoa6's #22 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 892,000 and my FI portfolio decreased to EUR 695,500


Net worth

EUR 892,000

Since the last update on my net worth has decreased with EUR -40,900 ( -4.38 %).

FI portfolio

EUR 695,500

Since the last update on my FI portfolio has decreased with EUR -21,400 ( -2.99 %).

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 94,900 -18,900 76,000
Investments 517,000 +2,000 519,000
Retirement acc 105,000 -4,500 100,500
Real estate 971,000 0 971,000
Other assets 0 0 0
Total assets 1,687,900 -21,400 1,666,500

Mortgage 755,000 19,500 774,500
Other debt 0 0 0
Total debt 755,000 19,500 774,500
Change
Cash 113,000 -37,000 76,000
Investments 404,000 +115,000 519,000
Retirement acc 109,042 -8,542 100,500
Real estate 1,495,000 -524,000 971,000
Other assets 0 0 0
Total assets 2,121,042 -454,542 1,666,500

Mortgage 1,371,408 -596,908 774,500
Other debt 0 0 0
Total debt 1,371,408 -596,908 774,500
Change
Cash 121,000 -45,000 76,000
Investments 54,000 +465,000 519,000
Retirement acc 32,000 +68,500 100,500
Real estate 437,000 + 534,000 971,000
Other assets 0 0 0
Total assets 644,000 +1,022,500 1,666,500

Mortgage 290,500 484,000 774,500
Other debt 0 0 0
Total debt 290,500 + 484,000 774,500

I am now 46.4% on my way to achive my FIRE target of EUR 1,500,000. This is -1.4 percentage points closer, compared to the last net worth update.

EUR 695,500 FIRE target: EUR 1,500,000


46.4%

FI portfolio

My FI portfolio now consists of EUR 519,000 (74.6%) in investments, EUR 100,500 (14.5%) in retirement accounts, and EUR 76,000 (10.9%) in cash.

Investments

Since my last update, my investments increased with EUR 2,000 (0.39%).

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -4,500 (-4.29%).




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

If I quit working today, my monthly pay out would be EUR 2,318 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
2,318/month
(4.0% SWR)
2,028/month
(3.5% SWR)
1,738/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 2 years and 10 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another EUR 370,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 434,500


Financial independence forecast