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Net worth update per


This is Roadtriptofire's #21 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 581,646 and my FI portfolio decreased to EUR 376,646


Net worth

EUR 581,646

Since the last update on my net worth has decreased with EUR -1,400 ( -0.24 %).

FI portfolio

EUR 376,646

Since the last update on my FI portfolio has decreased with EUR -7,400 ( -1.93 %).

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 128,789 +2,689 131,478
Investments 221,257 -12,905 208,352
Retirement acc 34,000 +2,816 36,816
Real estate 199,000 + 6,000 205,000
Other assets 0 0 0
Total assets 583,046 -1,400 581,646

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 122,475 +9,003 131,478
Investments 225,101 -16,749 208,352
Retirement acc 34,397 +2,419 36,816
Real estate 199,000 + 6,000 205,000
Other assets 0 0 0
Total assets 580,973 +673 581,646

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 177,000 -45,522 131,478
Investments 98,110 +110,242 208,352
Retirement acc 27,550 +9,266 36,816
Real estate 185,000 + 20,000 205,000
Other assets 4,200 -4,200 0
Total assets 491,860 +89,786 581,646

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

I am now 20.9% on my way to achive my FIRE target of EUR 1,800,000. This is -0.4 percentage points closer, compared to the last net worth update.

EUR 376,646 FIRE target: EUR 1,800,000


20.9%

FI portfolio

My FI portfolio now consists of EUR 208,352 (55.3%) in investments, EUR 36,816 (9.8%) in retirement accounts, and EUR 131,478 (34.9%) in cash.

Investments

Since my last update, my investments decreased with EUR -12,905 (-5.83%).

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 2,816 (8.28%).

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 1,255 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,255/month
(4.0% SWR)
1,098/month
(3.5% SWR)
941/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 4 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another EUR 249,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,174,354


Financial independence forecast