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Net worth update per


This is Roadtriptofire's #37 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 773,518 and my FI portfolio increased to EUR 557,018


Net worth

EUR 773,518

Since the last update on my net worth has increased with EUR 35,764 (+ 4.85 %).

FI portfolio

EUR 557,018

Since the last update on my FI portfolio has increased with EUR 31,764 (+ 6.05 %).

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 85,972 -76,482 9,490
Investments 396,759 +99,808 496,567
Retirement acc 42,523 +8,438 50,961
Real estate 206,000 + 4,000 210,000
Other assets 6,500 0 6,500
Total assets 737,754 +35,764 773,518

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 85,972 -76,482 9,490
Investments 396,759 +99,808 496,567
Retirement acc 42,523 +8,438 50,961
Real estate 206,000 + 4,000 210,000
Other assets 6,500 0 6,500
Total assets 737,754 +35,764 773,518

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 177,000 -167,510 9,490
Investments 98,110 +398,457 496,567
Retirement acc 27,550 +23,411 50,961
Real estate 185,000 + 25,000 210,000
Other assets 4,200 + 2,300 6,500
Total assets 491,860 +281,658 773,518

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

I am now 30.9% on my way to achive my FIRE target of EUR 1,800,000. This is 1.8 percentage points closer, compared to the last net worth update.

EUR 557,018 FIRE target: EUR 1,800,000


30.9%

FI portfolio

My FI portfolio now consists of EUR 496,567 (89.1%) in investments, EUR 50,961 (9.1%) in retirement accounts, and EUR 9,490 (1.7%) in cash.

Investments

Since my last update, my investments increased with EUR 99,808 (25.16%), of which EUR 30,600 was from contributions, and EUR 69,208 was from returns.

Since I started tracking, my total contributions have been EUR 58,601, and my total return has been EUR 339,856.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 8,438 (19.84%).

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 1,856 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,856/month
(4.0% SWR)
1,624/month
(3.5% SWR)
1,392/month
(3.0% SWR)


When can I retire?

FI date

My age

54

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 1 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another EUR 173,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 1,069,982


Financial independence forecast