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Net worth update per


This is roadtofire's #9 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 256,909 and my FI portfolio increased to EUR 99,451


Net worth

EUR 256,909

Since the last update on my net worth has increased with EUR 609 (+ 0.24 %).

FI portfolio

EUR 99,451

Since the last update on my FI portfolio has increased with EUR 51 (+ 0.05 %).

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 30,000 0 30,000
Investments 69,400 +51 69,451
Retirement acc 0 0 0
Real estate 200,000 0 200,000
Other assets 30,000 0 30,000
Total assets 329,400 +51 329,451

Mortgage 51,100 -200 50,900
Other debt 22,000 -358 21,642
Total debt 73,100 -558 72,542
Change
Cash 20,000 +10,000 30,000
Investments 72,051 -2,600 69,451
Retirement acc 0 0 0
Real estate 200,000 0 200,000
Other assets 30,000 0 30,000
Total assets 322,051 +7,400 329,451

Mortgage 51,600 -700 50,900
Other debt 22,702 -1,060 21,642
Total debt 74,302 -1,760 72,542
Change
Cash 0 +30,000 30,000
Investments 1,000 +68,451 69,451
Retirement acc 0 0 0
Real estate 200,000 0 200,000
Other assets 30,000 0 30,000
Total assets 231,000 +98,451 329,451

Mortgage 52,000 -1,100 50,900
Other debt 0 + 21,642 21,642
Total debt 52,000 + 20,542 72,542

I am now 8.0% on my way to achive my FIRE target of EUR 1,250,000. This is 0.0 percentage points closer, compared to the last net worth update.

EUR 99,451 FIRE target: EUR 1,250,000


8.0%

FI portfolio

My FI portfolio now consists of EUR 69,451 (69.8%) in investments, and EUR 30,000 (30.2%) in cash.

Investments

Since my last update, my investments increased with EUR 51 (0.07%), of which EUR 17,000 was from contributions, and EUR 1,814 was from returns.

Since I started tracking, my total contributions have been EUR 126,337, and my total return has been EUR 5,804.




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

If I quit working today, my monthly pay out would be EUR 331 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
331/month
(4.0% SWR)
290/month
(3.5% SWR)
248/month
(3.0% SWR)


When can I retire?

FI date

My age

51

I am currently aiming to save/invest approximately EUR 3,500 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,250,000 in 10 years and 2 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 598,500, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 552,049


Financial independence forecast