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Net worth update per


This is Roadtriptofire's #22 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 598,569 and my FI portfolio increased to EUR 393,569


Net worth

EUR 598,569

Since the last update on my net worth has increased with EUR 16,923 (+ 2.91 %).

FI portfolio

EUR 393,569

Since the last update on my FI portfolio has increased with EUR 16,923 (+ 4.49 %).

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 131,478 -4,016 127,462
Investments 208,352 +20,939 229,291
Retirement acc 36,816 0 36,816
Real estate 205,000 0 205,000
Other assets 0 0 0
Total assets 581,646 +16,923 598,569

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 131,478 -4,016 127,462
Investments 208,352 +20,939 229,291
Retirement acc 36,816 0 36,816
Real estate 205,000 0 205,000
Other assets 0 0 0
Total assets 581,646 +16,923 598,569

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 177,000 -49,538 127,462
Investments 98,110 +131,181 229,291
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 +106,709 598,569

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

I am now 26.2% 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 393,569 FIRE target: EUR 1,500,000


26.2%

FI portfolio

My FI portfolio now consists of EUR 229,291 (58.3%) in investments, EUR 36,816 (9.4%) in retirement accounts, and EUR 127,462 (32.4%) in cash.

Investments

Since my last update, my investments increased with EUR 20,939 (10.05%), 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 1,311 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,311/month
(4.0% SWR)
1,147/month
(3.5% SWR)
983/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 7 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another EUR 192,500, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 913,931


Financial independence forecast