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Net worth update per


This is Roadtriptofire's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 516,327 and my FI portfolio increased to EUR 334,040


Net worth

EUR 516,327

Since the last update on my net worth has increased with EUR 16,131 (+ 3.22 %).

FI portfolio

EUR 334,040

Since the last update on my FI portfolio has increased with EUR 15,594 (+ 4.9 %).

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 126,777 +8,715 135,492
Investments 164,119 +6,879 170,998
Retirement acc 27,550 0 27,550
Real estate 185,000 0 185,000
Other assets 0 0 0
Total assets 503,446 +15,594 519,040

Mortgage 3,250 -537 2,713
Other debt 0 0 0
Total debt 3,250 -537 2,713
Change
Cash 177,000 -41,508 135,492
Investments 98,110 +72,888 170,998
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 +27,180 519,040

Mortgage 4,855 -2,142 2,713
Other debt 0 0 0
Total debt 4,855 -2,142 2,713
Change
Cash 177,000 -41,508 135,492
Investments 98,110 +72,888 170,998
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 +27,180 519,040

Mortgage 4,855 -2,142 2,713
Other debt 0 0 0
Total debt 4,855 -2,142 2,713

I am now 22.3% on my way to achive my FIRE target of EUR 1,500,000. This is 1.0 percentage points closer, compared to the last net worth update.

EUR 334,040 FIRE target: EUR 1,500,000


22.3%

FI portfolio

My FI portfolio now consists of EUR 170,998 (51.2%) in investments, EUR 27,550 (8.2%) in retirement accounts, and EUR 135,492 (40.6%) in cash.

Investments

Since my last update, my investments increased with EUR 6,879 (4.19%), 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 0 (0.0%).

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 1,113 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,113/month
(4.0% SWR)
974/month
(3.5% SWR)
835/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 6 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 217,500, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 948,460


Financial independence forecast