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Net worth update per June 30th 2024


This is Roadtriptofire's #34 net worth update. Please check out my profile here for more information. As of June 30th 2024, my net worth increased to EUR 719,423 and my FI portfolio increased to EUR 506,923


Net worth

EUR 719,423

Since the last update on May 31st 2024 my net worth has increased with EUR 17,637 (+ 2.51 %).

FI portfolio

EUR 506,923

Since the last update on May 31st 2024 my FI portfolio has increased with EUR 11,137 (+ 2.25 %).

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.
31 May 24 Change 30 Jun 24
Cash 30,714 -6,044 24,670
Investments 421,101 +17,181 438,282
Retirement acc 43,971 0 43,971
Real estate 206,000 0 206,000
Other assets 0 + 6,500 6,500
Total assets 701,786 +17,637 719,423

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
31 Dec 23 Change 30 Jun 24
Cash 32,770 -8,100 24,670
Investments 389,337 +48,945 438,282
Retirement acc 43,971 0 43,971
Real estate 206,000 0 206,000
Other assets 0 + 6,500 6,500
Total assets 672,078 +47,345 719,423

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
26 Jan 21 Change 30 Jun 24
Cash 177,000 -152,330 24,670
Investments 98,110 +340,172 438,282
Retirement acc 27,550 +16,421 43,971
Real estate 185,000 + 21,000 206,000
Other assets 4,200 + 2,300 6,500
Total assets 491,860 +227,563 719,423

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

I am now 28.2% on my way to achive my FIRE target of EUR 1,800,000. This is 0.6 percentage points closer, compared to the last net worth update.

EUR 506,923 FIRE target: EUR 1,800,000


28.2%

FI portfolio

My FI portfolio now consists of EUR 438,282 (86.5%) in investments, EUR 43,971 (8.7%) in retirement accounts, and EUR 24,670 (4.9%) in cash.

Investments

Since my last update, my investments increased with EUR 17,181 (4.08%).

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 1,689 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,689/month
(4.0% SWR)
1,478/month
(3.5% SWR)
1,267/month
(3.0% SWR)


When can I retire?

FI date

January 2040

My age

55

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 14 years and 8 months, in January 2040, and at that time I will be 55 years old.

By that time I will have invested/saved another EUR 187,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,106,077


Financial independence forecast