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Net worth update per


This is Roadtriptofire's #36 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 737,754 and my FI portfolio increased to EUR 525,254


Net worth

EUR 737,754

Since the last update on my net worth has increased with EUR 17,365 (+ 2.41 %).

FI portfolio

EUR 525,254

Since the last update on my FI portfolio has increased with EUR 17,365 (+ 3.42 %).

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 24,891 +61,081 85,972
Investments 439,027 -42,268 396,759
Retirement acc 43,971 -1,448 42,523
Real estate 206,000 0 206,000
Other assets 6,500 0 6,500
Total assets 720,389 +17,365 737,754

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 32,770 +53,202 85,972
Investments 389,337 +7,422 396,759
Retirement acc 43,971 -1,448 42,523
Real estate 206,000 0 206,000
Other assets 0 + 6,500 6,500
Total assets 672,078 +65,676 737,754

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 177,000 -91,028 85,972
Investments 98,110 +298,649 396,759
Retirement acc 27,550 +14,973 42,523
Real estate 185,000 + 21,000 206,000
Other assets 4,200 + 2,300 6,500
Total assets 491,860 +245,894 737,754

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

I am now 29.2% on my way to achive my FIRE target of EUR 1,800,000. This is 1.0 percentage points closer, compared to the last net worth update.

EUR 525,254 FIRE target: EUR 1,800,000


29.2%

FI portfolio

My FI portfolio now consists of EUR 396,759 (75.5%) in investments, EUR 42,523 (8.1%) in retirement accounts, and EUR 85,972 (16.4%) in cash.

Investments

Since my last update, my investments decreased with EUR -42,268 (-9.63%).

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 -1,448 (-3.29%).

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 1,750 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,750/month
(4.0% SWR)
1,531/month
(3.5% SWR)
1,313/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 5 months, in , and at that time I will be 56 years old.

By that time I will have invested/saved another EUR 191,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,083,746


Financial independence forecast