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Net worth update per


This is wakefulLocust2's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 836,500 and my FI portfolio increased to EUR 577,500


Net worth

EUR 836,500

Since the last update on my net worth has increased with EUR 200,500 (+ 31.53 %).

FI portfolio

EUR 577,500

Since the last update on my FI portfolio has increased with EUR 196,500 (+ 51.57 %).

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 381,000 -87,500 293,500
Investments 0 +270,000 270,000
Retirement acc 0 +14,000 14,000
Real estate 448,000 + 2,000 450,000
Other assets 0 0 0
Total assets 829,000 +198,500 1,027,500

Mortgage 193,000 -2,000 191,000
Other debt 0 0 0
Total debt 193,000 -2,000 191,000
Change
Cash 404,000 -110,500 293,500
Investments 0 +270,000 270,000
Retirement acc 0 +14,000 14,000
Real estate 228,000 + 222,000 450,000
Other assets 0 0 0
Total assets 632,000 +395,500 1,027,500

Mortgage 128,000 63,000 191,000
Other debt 0 0 0
Total debt 128,000 63,000 191,000
Change
Cash 37,000 +256,500 293,500
Investments 76,500 +193,500 270,000
Retirement acc 0 +14,000 14,000
Real estate 200,000 + 250,000 450,000
Other assets 0 0 0
Total assets 313,500 +714,000 1,027,500

Mortgage 129,000 62,000 191,000
Other debt 0 0 0
Total debt 129,000 + 62,000 191,000

I am now 64.2% on my way to achive my FIRE target of EUR 900,000. This is 21.8 percentage points closer, compared to the last net worth update.

EUR 577,500 FIRE target: EUR 900,000


64.2%

FI portfolio

My FI portfolio now consists of EUR 270,000 (46.8%) in investments, EUR 14,000 (2.4%) in retirement accounts, and EUR 293,500 (50.8%) in cash.

Investments

Since my last update, my investments increased with EUR 270,000 (100%).

Retirement accounts

Since my last update, my retirement accounts increased with EUR 14,000 (100%).




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

If I quit working today, my monthly pay out would be EUR 1,925 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,925/month
(4.0% SWR)
1,684/month
(3.5% SWR)
1,443/month
(3.0% SWR)


When can I retire?

FI date

My age

30

I am currently aiming to save/invest approximately EUR 10,000 each month.

Assuming an annual return of 8% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 900,000 in 0 years and 9 months, in , and at that time I will be 30 years old.

By that time I will have invested/saved another EUR 250,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 72,500


Financial independence forecast