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Net worth update per


This is Roadtriptofire's #28 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 640,308 and my FI portfolio increased to EUR 435,308


Net worth

EUR 640,308

Since the last update on my net worth has increased with EUR 23,214 (+ 3.76 %).

FI portfolio

EUR 435,308

Since the last update on my FI portfolio has increased with EUR 23,214 (+ 5.63 %).

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 45,378 -9,395 35,983
Investments 329,900 +32,609 362,509
Retirement acc 36,816 0 36,816
Real estate 205,000 0 205,000
Other assets 0 0 0
Total assets 617,094 +23,214 640,308

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 131,478 -95,495 35,983
Investments 208,352 +154,157 362,509
Retirement acc 36,816 0 36,816
Real estate 205,000 0 205,000
Other assets 0 0 0
Total assets 581,646 +58,662 640,308

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 177,000 -141,017 35,983
Investments 98,110 +264,399 362,509
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 +148,448 640,308

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

I am now 24.2% on my way to achive my FIRE target of EUR 1,800,000. This is 1.3 percentage points closer, compared to the last net worth update.

EUR 435,308 FIRE target: EUR 1,800,000


24.2%

FI portfolio

My FI portfolio now consists of EUR 362,509 (83.3%) in investments, EUR 36,816 (8.5%) in retirement accounts, and EUR 35,983 (8.3%) in cash.

Investments

Since my last update, my investments increased with EUR 32,609 (9.88%).

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 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 1,451 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,451/month
(4.0% SWR)
1,269/month
(3.5% SWR)
1,088/month
(3.0% SWR)


When can I retire?

FI date

My age

56

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 15 years and 11 months, in , and at that time I will be 56 years old.

By that time I will have invested/saved another EUR 209,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,155,692


Financial independence forecast