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Net worth update per


This is Roadtriptofire's #12 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 580,973 and my FI portfolio increased to EUR 381,973


Net worth

EUR 580,973

Since the last update on my net worth has increased with EUR 17,164 (+ 3.04 %).

FI portfolio

EUR 381,973

Since the last update on my FI portfolio has increased with EUR 17,164 (+ 4.7 %).

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 121,590 +885 122,475
Investments 215,669 +9,432 225,101
Retirement acc 27,550 +6,847 34,397
Real estate 199,000 0 199,000
Other assets 0 0 0
Total assets 563,809 +17,164 580,973

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 177,000 -54,525 122,475
Investments 98,110 +126,991 225,101
Retirement acc 27,550 +6,847 34,397
Real estate 185,000 + 14,000 199,000
Other assets 4,200 -4,200 0
Total assets 491,860 +89,113 580,973

Mortgage 4,855 -4,855 0
Other debt 0 0 0
Total debt 4,855 -4,855 0
Change
Cash 177,000 -54,525 122,475
Investments 98,110 +126,991 225,101
Retirement acc 27,550 +6,847 34,397
Real estate 185,000 + 14,000 199,000
Other assets 4,200 -4,200 0
Total assets 491,860 +89,113 580,973

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

I am now 21.2% on my way to achive my FIRE target of EUR 1,800,000. This is 1.0 percentage points closer, compared to the last net worth update.

EUR 381,973 FIRE target: EUR 1,800,000


21.2%

FI portfolio

My FI portfolio now consists of EUR 225,101 (58.9%) in investments, EUR 34,397 (9.0%) in retirement accounts, and EUR 122,475 (32.1%) in cash.

Investments

Since my last update, my investments increased with EUR 9,432 (4.37%).

Since I started tracking, my total contributions have been EUR 58,601, and my total return has been EUR 279,008.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 6,847 (24.85%).

Since I started tracking, my total contributions have been EUR 0, and my total return is EUR 23,411.




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

If I quit working today, my monthly pay out would be EUR 1,273 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,273/month
(4.0% SWR)
1,114/month
(3.5% SWR)
954/month
(3.0% SWR)


When can I retire?

FI date

My age

57

I am currently aiming to save/invest approximately EUR 1,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,800,000 in 17 years and 0 months, in , and at that time I will be 57 years old.

By that time I will have invested/saved another EUR 245,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,173,027


Financial independence forecast