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Net worth update per


This is roadtofire's #10 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 266,930 and my FI portfolio increased to EUR 108,917


Net worth

EUR 266,930

Since the last update on my net worth has increased with EUR 10,021 (+ 3.9 %).

FI portfolio

EUR 108,917

Since the last update on my FI portfolio has increased with EUR 9,466 (+ 9.52 %).

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 69,451 +9,466 78,917
Retirement acc 0 0 0
Real estate 200,000 0 200,000
Other assets 30,000 0 30,000
Total assets 329,451 +9,466 338,917

Mortgage 50,900 -200 50,700
Other debt 21,642 -355 21,287
Total debt 72,542 -555 71,987
Change
Cash 20,000 +10,000 30,000
Investments 72,051 +6,866 78,917
Retirement acc 0 0 0
Real estate 200,000 0 200,000
Other assets 30,000 0 30,000
Total assets 322,051 +16,866 338,917

Mortgage 51,600 -900 50,700
Other debt 22,702 -1,415 21,287
Total debt 74,302 -2,315 71,987
Change
Cash 0 +30,000 30,000
Investments 1,000 +77,917 78,917
Retirement acc 0 0 0
Real estate 200,000 0 200,000
Other assets 30,000 0 30,000
Total assets 231,000 +107,917 338,917

Mortgage 52,000 -1,300 50,700
Other debt 0 + 21,287 21,287
Total debt 52,000 + 19,987 71,987

I am now 8.7% on my way to achive my FIRE target of EUR 1,250,000. This is 0.8 percentage points closer, compared to the last net worth update.

EUR 108,917 FIRE target: EUR 1,250,000


8.7%

FI portfolio

My FI portfolio now consists of EUR 78,917 (72.5%) in investments, and EUR 30,000 (27.5%) in cash.

Investments

Since my last update, my investments increased with EUR 9,466 (13.63%), 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 363 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
363/month
(4.0% SWR)
317/month
(3.5% SWR)
272/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 1 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 591,500, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 549,583


Financial independence forecast