Net worth update per

This is my #4 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR -6,804 and my FI portfolio decreased to EUR 3,696

Net worth

EUR -6,804

Since the last update on my net worth has decreased with EUR -217 ( 3.29 %).

FI portfolio

EUR 3,696

Since the last update on my FI portfolio has decreased with EUR -536 ( -12.67 %).

Net worth
FI portfolio

The changes for each asset class is shown in the table below. All numbers are in EUR.

I am now 0.4% on my way to achive my FIRE target of EUR 1,000,000. This is -0.1 percentage points closer, compared to the last net worth update.

EUR 3,696 FIRE target: EUR 1,000,000


FI portfolio

My FI portfolio now consists of EUR 1,005 (27.2%) in investments, EUR 831 (22.5%) in retirement accounts, and EUR 1,860 (50.3%) in cash.


Since my last update, my investments increased with EUR 149 (17.41%).

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -443 (-34.77%).

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

If I quit working today, my monthly pay out would be EUR 12 for the rest of my life.

Monthly SWR amount
Retire today with (EUR)
(4.0% SWR)
(3.5% SWR)
(3.0% SWR)

When can I retire?

FI date

My age


I am currently aiming to save/invest approximately EUR 1,000 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 20 years and 0 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another EUR 267,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 729,304

Financial independence forecast