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Net worth update per


This is Roadtriptofire's #9 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 548,457 and my FI portfolio decreased to EUR 349,457


Net worth

EUR 548,457

Since the last update on my net worth has decreased with EUR -364 ( -0.07 %).

FI portfolio

EUR 349,457

Since the last update on my FI portfolio has decreased with EUR -908 ( -0.26 %).

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 122,587 +5,039 127,626
Investments 200,228 -5,947 194,281
Retirement acc 27,550 0 27,550
Real estate 199,000 0 199,000
Other assets 0 0 0
Total assets 549,365 -908 548,457

Mortgage 544 -544 0
Other debt 0 0 0
Total debt 544 -544 0
Change
Cash 177,000 -49,374 127,626
Investments 98,110 +96,171 194,281
Retirement acc 27,550 0 27,550
Real estate 185,000 + 14,000 199,000
Other assets 4,200 -4,200 0
Total assets 491,860 +56,597 548,457

Mortgage 4,855 -4,855 0
Other debt 0 0 0
Total debt 4,855 -4,855 0
Change
Cash 177,000 -49,374 127,626
Investments 98,110 +96,171 194,281
Retirement acc 27,550 0 27,550
Real estate 185,000 + 14,000 199,000
Other assets 4,200 -4,200 0
Total assets 491,860 +56,597 548,457

Mortgage 4,855 -4,855 0
Other debt 0 0 0
Total debt 4,855 -4,855 0

I am now 23.3% on my way to achive my FIRE target of EUR 1,500,000. This is -0.1 percentage points closer, compared to the last net worth update.

EUR 349,457 FIRE target: EUR 1,500,000


23.3%

FI portfolio

My FI portfolio now consists of EUR 194,281 (55.6%) in investments, EUR 27,550 (7.9%) in retirement accounts, and EUR 127,626 (36.5%) in cash.

Investments

Since my last update, my investments decreased with EUR -5,947 (-2.97%), 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 1,164 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,164/month
(4.0% SWR)
1,019/month
(3.5% SWR)
873/month
(3.0% SWR)


When can I retire?

FI date

My age

50

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 4 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another EUR 208,750, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 941,793


Financial independence forecast