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Net worth update per


This is empathicBoa6's #26 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 943,250 and my FI portfolio increased to EUR 744,750


Net worth

EUR 943,250

Since the last update on my net worth has increased with EUR 9,043 (+ 0.97 %).

FI portfolio

EUR 744,750

Since the last update on my FI portfolio has increased with EUR 8,550 (+ 1.16 %).

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 102,200 -19,450 82,750
Investments 509,000 +29,000 538,000
Retirement acc 125,000 -1,000 124,000
Real estate 971,000 0 971,000
Other assets 0 0 0
Total assets 1,707,200 +8,550 1,715,750

Mortgage 772,993 -493 772,500
Other debt 0 0 0
Total debt 772,993 -493 772,500
Change
Cash 113,000 -30,250 82,750
Investments 404,000 +134,000 538,000
Retirement acc 109,042 +14,958 124,000
Real estate 1,495,000 -524,000 971,000
Other assets 0 0 0
Total assets 2,121,042 -405,292 1,715,750

Mortgage 1,371,408 -598,908 772,500
Other debt 0 0 0
Total debt 1,371,408 -598,908 772,500
Change
Cash 121,000 -38,250 82,750
Investments 54,000 +484,000 538,000
Retirement acc 32,000 +92,000 124,000
Real estate 437,000 + 534,000 971,000
Other assets 0 0 0
Total assets 644,000 +1,071,750 1,715,750

Mortgage 290,500 482,000 772,500
Other debt 0 0 0
Total debt 290,500 + 482,000 772,500

I am now 49.6% on my way to achive my FIRE target of EUR 1,500,000. This is 0.6 percentage points closer, compared to the last net worth update.

EUR 744,750 FIRE target: EUR 1,500,000


49.6%

FI portfolio

My FI portfolio now consists of EUR 538,000 (72.2%) in investments, EUR 124,000 (16.6%) in retirement accounts, and EUR 82,750 (11.1%) in cash.

Investments

Since my last update, my investments increased with EUR 29,000 (5.7%).

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -1,000 (-0.8%).




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

If I quit working today, my monthly pay out would be EUR 2,482 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
2,482/month
(4.0% SWR)
2,172/month
(3.5% SWR)
1,861/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 4 years and 3 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another EUR 345,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 410,250


Financial independence forecast