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Net worth update per


This is Roadtriptofire's #18 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 566,397 and my FI portfolio decreased to EUR 367,397


Net worth

EUR 566,397

Since the last update on my net worth has decreased with EUR -16,719 ( -2.87 %).

FI portfolio

EUR 367,397

Since the last update on my FI portfolio has decreased with EUR -16,719 ( -4.35 %).

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 134,379 -2,379 132,000
Investments 215,340 -14,340 201,000
Retirement acc 34,397 0 34,397
Real estate 199,000 0 199,000
Other assets 0 0 0
Total assets 583,116 -16,719 566,397

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 122,475 +9,525 132,000
Investments 225,101 -24,101 201,000
Retirement acc 34,397 0 34,397
Real estate 199,000 0 199,000
Other assets 0 0 0
Total assets 580,973 -14,576 566,397

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 177,000 -45,000 132,000
Investments 98,110 +102,890 201,000
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 +74,537 566,397

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

I am now 20.4% on my way to achive my FIRE target of EUR 1,800,000. This is -0.9 percentage points closer, compared to the last net worth update.

EUR 367,397 FIRE target: EUR 1,800,000


20.4%

FI portfolio

My FI portfolio now consists of EUR 201,000 (54.7%) in investments, EUR 34,397 (9.4%) in retirement accounts, and EUR 132,000 (35.9%) in cash.

Investments

Since my last update, my investments decreased with EUR -14,340 (-6.66%).

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 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 1,224 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,224/month
(4.0% SWR)
1,071/month
(3.5% SWR)
918/month
(3.0% SWR)


When can I retire?

FI date

My age

58

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 18 years and 2 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another EUR 253,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,179,603


Financial independence forecast