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Net worth update per


This is Roadtriptofire's #19 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 586,874 and my FI portfolio increased to EUR 387,874


Net worth

EUR 586,874

Since the last update on my net worth has increased with EUR 20,477 (+ 3.62 %).

FI portfolio

EUR 387,874

Since the last update on my FI portfolio has increased with EUR 20,477 (+ 5.57 %).

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 132,000 -206 131,794
Investments 201,000 +20,683 221,683
Retirement acc 34,397 0 34,397
Real estate 199,000 0 199,000
Other assets 0 0 0
Total assets 566,397 +20,477 586,874

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 122,475 +9,319 131,794
Investments 225,101 -3,418 221,683
Retirement acc 34,397 0 34,397
Real estate 199,000 0 199,000
Other assets 0 0 0
Total assets 580,973 +5,901 586,874

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 177,000 -45,206 131,794
Investments 98,110 +123,573 221,683
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 +95,014 586,874

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

I am now 25.9% on my way to achive my FIRE target of EUR 1,500,000. This is 1.4 percentage points closer, compared to the last net worth update.

EUR 387,874 FIRE target: EUR 1,500,000


25.9%

FI portfolio

My FI portfolio now consists of EUR 221,683 (57.2%) in investments, EUR 34,397 (8.9%) in retirement accounts, and EUR 131,794 (34.0%) in cash.

Investments

Since my last update, my investments increased with EUR 20,683 (10.29%), 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 1,292 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,292/month
(4.0% SWR)
1,131/month
(3.5% SWR)
969/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 3 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another EUR 195,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 917,126


Financial independence forecast