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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 24.5% on my way to achive my FIRE target of EUR 1,500,000. This is -1.1 percentage points closer, compared to the last net worth update.

EUR 367,397 FIRE target: EUR 1,500,000


24.5%

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%), 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 1,224 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

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 8 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 202,500, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 930,103


Financial independence forecast