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Net worth update per


This is Roadtriptofire's #2 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 490,575 and my FI portfolio increased to EUR 309,362


Net worth

EUR 490,575

Since the last update on my net worth has increased with EUR 3,570 (+ 0.73 %).

FI portfolio

EUR 309,362

Since the last update on my FI portfolio has increased with EUR 6,702 (+ 2.21 %).

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 177,000 -24,517 152,483
Investments 98,110 +31,040 129,150
Retirement acc 27,550 +179 27,729
Real estate 185,000 0 185,000
Other assets 4,200 -4,200 0
Total assets 491,860 +2,502 494,362

Mortgage 4,855 -1,068 3,787
Other debt 0 0 0
Total debt 4,855 -1,068 3,787
Change
Cash 177,000 -24,517 152,483
Investments 98,110 +31,040 129,150
Retirement acc 27,550 +179 27,729
Real estate 185,000 0 185,000
Other assets 4,200 -4,200 0
Total assets 491,860 +2,502 494,362

Mortgage 4,855 -1,068 3,787
Other debt 0 0 0
Total debt 4,855 -1,068 3,787
Change
Cash 177,000 -24,517 152,483
Investments 98,110 +31,040 129,150
Retirement acc 27,550 +179 27,729
Real estate 185,000 0 185,000
Other assets 4,200 -4,200 0
Total assets 491,860 +2,502 494,362

Mortgage 4,855 -1,068 3,787
Other debt 0 0 0
Total debt 4,855 -1,068 3,787

I am now 20.6% on my way to achive my FIRE target of EUR 1,500,000. This is 0.4 percentage points closer, compared to the last net worth update.

EUR 309,362 FIRE target: EUR 1,500,000


20.6%

FI portfolio

My FI portfolio now consists of EUR 129,150 (41.7%) in investments, EUR 27,729 (9.0%) in retirement accounts, and EUR 152,483 (49.3%) in cash.

Investments

Since my last update, my investments increased with EUR 31,040 (31.64%), of which EUR 1,700 was from contributions, and EUR 20,846 was from returns.

Since I started tracking, my total contributions have been EUR 19,801, and my total return has been EUR 295,782.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 179 (0.65%).

Since I started tracking, my total contributions have been EUR 0, and my total return is EUR 16,421.




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

If I quit working today, my monthly pay out would be EUR 1,031 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,031/month
(4.0% SWR)
902/month
(3.5% SWR)
773/month
(3.0% SWR)


When can I retire?

FI date

My age

51

I am currently aiming to save/invest approximately EUR 1,250 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,500,000 in 12 years and 5 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 233,750, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 956,888


Financial independence forecast