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Net worth update per


This is empathicBoa6's #25 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 934,207 and my FI portfolio decreased to EUR 736,200


Net worth

EUR 934,207

Since the last update on my net worth has decreased with EUR -88,473 ( -8.65 %).

FI portfolio

EUR 736,200

Since the last update on my FI portfolio has decreased with EUR -88,980 ( -10.78 %).

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 165,000 -62,800 102,200
Investments 530,000 -21,000 509,000
Retirement acc 130,180 -5,180 125,000
Real estate 971,000 0 971,000
Other assets 0 0 0
Total assets 1,796,180 -88,980 1,707,200

Mortgage 773,500 -507 772,993
Other debt 0 0 0
Total debt 773,500 -507 772,993
Change
Cash 113,000 -10,800 102,200
Investments 404,000 +105,000 509,000
Retirement acc 109,042 +15,958 125,000
Real estate 1,495,000 -524,000 971,000
Other assets 0 0 0
Total assets 2,121,042 -413,842 1,707,200

Mortgage 1,371,408 -598,415 772,993
Other debt 0 0 0
Total debt 1,371,408 -598,415 772,993
Change
Cash 121,000 -18,800 102,200
Investments 54,000 +455,000 509,000
Retirement acc 32,000 +93,000 125,000
Real estate 437,000 + 534,000 971,000
Other assets 0 0 0
Total assets 644,000 +1,063,200 1,707,200

Mortgage 290,500 482,493 772,993
Other debt 0 0 0
Total debt 290,500 + 482,493 772,993

I am now 49.1% on my way to achive my FIRE target of EUR 1,500,000. This is -5.9 percentage points closer, compared to the last net worth update.

EUR 736,200 FIRE target: EUR 1,500,000


49.1%

FI portfolio

My FI portfolio now consists of EUR 509,000 (69.1%) in investments, EUR 125,000 (17.0%) in retirement accounts, and EUR 102,200 (13.9%) in cash.

Investments

Since my last update, my investments decreased with EUR -21,000 (-3.96%).

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -5,180 (-3.98%).




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

If I quit working today, my monthly pay out would be EUR 2,454 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
2,454/month
(4.0% SWR)
2,147/month
(3.5% SWR)
1,840/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 2 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another EUR 350,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 413,800


Financial independence forecast