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Net worth update per


This is roadtofire's #11 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 279,195 and my FI portfolio increased to EUR 120,624


Net worth

EUR 279,195

Since the last update on my net worth has increased with EUR 12,265 (+ 4.59 %).

FI portfolio

EUR 120,624

Since the last update on my FI portfolio has increased with EUR 11,707 (+ 10.75 %).

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 78,917 +11,707 90,624
Retirement acc 0 0 0
Real estate 200,000 0 200,000
Other assets 30,000 0 30,000
Total assets 338,917 +11,707 350,624

Mortgage 50,700 -200 50,500
Other debt 21,287 -358 20,929
Total debt 71,987 -558 71,429
Change
Cash 20,000 +10,000 30,000
Investments 72,051 +18,573 90,624
Retirement acc 0 0 0
Real estate 200,000 0 200,000
Other assets 30,000 0 30,000
Total assets 322,051 +28,573 350,624

Mortgage 51,600 -1,100 50,500
Other debt 22,702 -1,773 20,929
Total debt 74,302 -2,873 71,429
Change
Cash 0 +30,000 30,000
Investments 1,000 +89,624 90,624
Retirement acc 0 0 0
Real estate 200,000 0 200,000
Other assets 30,000 0 30,000
Total assets 231,000 +119,624 350,624

Mortgage 52,000 -1,500 50,500
Other debt 0 + 20,929 20,929
Total debt 52,000 + 19,429 71,429

I am now 9.6% on my way to achive my FIRE target of EUR 1,250,000. This is 0.9 percentage points closer, compared to the last net worth update.

EUR 120,624 FIRE target: EUR 1,250,000


9.6%

FI portfolio

My FI portfolio now consists of EUR 90,624 (75.1%) in investments, and EUR 30,000 (24.9%) in cash.

Investments

Since my last update, my investments increased with EUR 11,707 (14.83%), 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 402 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
402/month
(4.0% SWR)
351/month
(3.5% SWR)
301/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 9 years and 11 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 581,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 548,376


Financial independence forecast