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Net worth update per


This is Roadtriptofire's #27 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 617,094 and my FI portfolio decreased to EUR 412,094


Net worth

EUR 617,094

Since the last update on my net worth has decreased with EUR -13,494 ( -2.14 %).

FI portfolio

EUR 412,094

Since the last update on my FI portfolio has decreased with EUR -13,494 ( -3.17 %).

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 121,852 -76,474 45,378
Investments 266,920 +62,980 329,900
Retirement acc 36,816 0 36,816
Real estate 205,000 0 205,000
Other assets 0 0 0
Total assets 630,588 -13,494 617,094

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 131,478 -86,100 45,378
Investments 208,352 +121,548 329,900
Retirement acc 36,816 0 36,816
Real estate 205,000 0 205,000
Other assets 0 0 0
Total assets 581,646 +35,448 617,094

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 177,000 -131,622 45,378
Investments 98,110 +231,790 329,900
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 +125,234 617,094

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

I am now 41.2% on my way to achive my FIRE target of EUR 1,000,000. This is -1.3 percentage points closer, compared to the last net worth update.

EUR 412,094 FIRE target: EUR 1,000,000


41.2%

FI portfolio

My FI portfolio now consists of EUR 329,900 (80.1%) in investments, EUR 36,816 (8.9%) in retirement accounts, and EUR 45,378 (11.0%) in cash.

Investments

Since my last update, my investments increased with EUR 62,980 (23.6%), of which EUR 1,000 was from contributions, and EUR 13,650 was from returns.

Since I started tracking, my total contributions have been EUR 75,101, and my total return has been EUR 340,789.

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 1,373 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,373/month
(4.0% SWR)
1,201/month
(3.5% SWR)
1,030/month
(3.0% SWR)


When can I retire?

FI date

My age

48

I am currently aiming to save/invest approximately EUR 1,500 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 7 years and 7 months, in , and at that time I will be 48 years old.

By that time I will have invested/saved another EUR 169,500, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 418,406


Financial independence forecast