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Net worth update per


This is Roadtriptofire's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 500,196 and my FI portfolio increased to EUR 318,446


Net worth

EUR 500,196

Since the last update on my net worth has increased with EUR 9,621 (+ 1.96 %).

FI portfolio

EUR 318,446

Since the last update on my FI portfolio has increased with EUR 9,084 (+ 2.94 %).

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 152,483 -25,706 126,777
Investments 129,150 +34,969 164,119
Retirement acc 27,729 -179 27,550
Real estate 185,000 0 185,000
Other assets 0 0 0
Total assets 494,362 +9,084 503,446

Mortgage 3,787 -537 3,250
Other debt 0 0 0
Total debt 3,787 -537 3,250
Change
Cash 177,000 -50,223 126,777
Investments 98,110 +66,009 164,119
Retirement acc 27,550 0 27,550
Real estate 185,000 0 185,000
Other assets 4,200 -4,200 0
Total assets 491,860 +11,586 503,446

Mortgage 4,855 -1,605 3,250
Other debt 0 0 0
Total debt 4,855 -1,605 3,250
Change
Cash 177,000 -50,223 126,777
Investments 98,110 +66,009 164,119
Retirement acc 27,550 0 27,550
Real estate 185,000 0 185,000
Other assets 4,200 -4,200 0
Total assets 491,860 +11,586 503,446

Mortgage 4,855 -1,605 3,250
Other debt 0 0 0
Total debt 4,855 -1,605 3,250

I am now 21.2% on my way to achive my FIRE target of EUR 1,500,000. This is 0.6 percentage points closer, compared to the last net worth update.

EUR 318,446 FIRE target: EUR 1,500,000


21.2%

FI portfolio

My FI portfolio now consists of EUR 164,119 (51.5%) in investments, EUR 27,550 (8.7%) in retirement accounts, and EUR 126,777 (39.8%) in cash.

Investments

Since my last update, my investments increased with EUR 34,969 (27.08%), 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 decreased 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 1,061 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,061/month
(4.0% SWR)
928/month
(3.5% SWR)
796/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 11 years and 8 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 221,250, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 960,304


Financial independence forecast