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Net worth update per


This is Roadtriptofire's #35 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 720,389 and my FI portfolio increased to EUR 507,889


Net worth

EUR 720,389

Since the last update on my net worth has increased with EUR 966 (+ 0.13 %).

FI portfolio

EUR 507,889

Since the last update on my FI portfolio has increased with EUR 966 (+ 0.19 %).

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 24,670 +221 24,891
Investments 438,282 +745 439,027
Retirement acc 43,971 0 43,971
Real estate 206,000 0 206,000
Other assets 6,500 0 6,500
Total assets 719,423 +966 720,389

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 32,770 -7,879 24,891
Investments 389,337 +49,690 439,027
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 +48,311 720,389

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 177,000 -152,109 24,891
Investments 98,110 +340,917 439,027
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 +228,529 720,389

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

I am now 50.8% on my way to achive my FIRE target of EUR 1,000,000. This is 0.1 percentage points closer, compared to the last net worth update.

EUR 507,889 FIRE target: EUR 1,000,000


50.8%

FI portfolio

My FI portfolio now consists of EUR 439,027 (86.4%) in investments, EUR 43,971 (8.7%) in retirement accounts, and EUR 24,891 (4.9%) in cash.

Investments

Since my last update, my investments increased with EUR 745 (0.17%), 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 1,692 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,692/month
(4.0% SWR)
1,481/month
(3.5% SWR)
1,269/month
(3.0% SWR)


When can I retire?

FI date

My age

47

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 6 years and 2 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another EUR 130,500, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 361,611


Financial independence forecast