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Net worth update per


This is Roadtriptofire's #13 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 564,837 and my FI portfolio decreased to EUR 365,837


Net worth

EUR 564,837

Since the last update on my net worth has decreased with EUR -16,136 ( -2.78 %).

FI portfolio

EUR 365,837

Since the last update on my FI portfolio has decreased with EUR -16,136 ( -4.22 %).

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 122,475 -282 122,193
Investments 225,101 -15,854 209,247
Retirement acc 34,397 0 34,397
Real estate 199,000 0 199,000
Other assets 0 0 0
Total assets 580,973 -16,136 564,837

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 122,475 -282 122,193
Investments 225,101 -15,854 209,247
Retirement acc 34,397 0 34,397
Real estate 199,000 0 199,000
Other assets 0 0 0
Total assets 580,973 -16,136 564,837

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 177,000 -54,807 122,193
Investments 98,110 +111,137 209,247
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 +72,977 564,837

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

I am now 36.6% on my way to achive my FIRE target of EUR 1,000,000. This is -1.6 percentage points closer, compared to the last net worth update.

EUR 365,837 FIRE target: EUR 1,000,000


36.6%

FI portfolio

My FI portfolio now consists of EUR 209,247 (57.2%) in investments, EUR 34,397 (9.4%) in retirement accounts, and EUR 122,193 (33.4%) in cash.

Investments

Since my last update, my investments decreased with EUR -15,854 (-7.04%), of which EUR 1,000 was from contributions, and EUR 13,650 was from returns.

Since I started tracking, my total contributions have been EUR 75,101, and my total return has been EUR 340,789.

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 23,411.




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

If I quit working today, my monthly pay out would be EUR 1,219 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,219/month
(4.0% SWR)
1,067/month
(3.5% SWR)
914/month
(3.0% SWR)


When can I retire?

FI date

My age

48

I am currently aiming to save/invest approximately EUR 1,500 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 7 years and 9 months, in , and at that time I will be 48 years old.

By that time I will have invested/saved another EUR 204,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 430,163


Financial independence forecast