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Net worth update per


This is Fireitupreadytogo's #13 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 350,907 and my FI portfolio decreased to EUR 145,433


Net worth

EUR 350,907

Since the last update on my net worth has decreased with EUR -7,780 ( -2.17 %).

FI portfolio

EUR 145,433

Since the last update on my FI portfolio has decreased with EUR -23,154 ( -13.73 %).

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 27,164 -8,936 18,228
Investments 137,711 -14,208 123,503
Retirement acc 3,712 -10 3,702
Real estate 393,000 0 393,000
Other assets 5,000 0 5,000
Total assets 566,587 -23,154 543,433

Mortgage 134,232 -277 133,955
Other debt 73,668 -15,097 58,571
Total debt 207,900 -15,374 192,526
Change
Cash 11,875 +6,353 18,228
Investments 61,494 +62,009 123,503
Retirement acc 0 +3,702 3,702
Real estate 280,000 + 113,000 393,000
Other assets 0 + 5,000 5,000
Total assets 353,369 +190,064 543,433

Mortgage 141,922 -7,967 133,955
Other debt 67,610 -9,039 58,571
Total debt 209,532 -17,006 192,526
Change
Cash 11,875 +6,353 18,228
Investments 61,494 +62,009 123,503
Retirement acc 0 +3,702 3,702
Real estate 280,000 + 113,000 393,000
Other assets 0 + 5,000 5,000
Total assets 353,369 +190,064 543,433

Mortgage 141,922 -7,967 133,955
Other debt 67,610 -9,039 58,571
Total debt 209,532 -17,006 192,526

I am now 14.5% on my way to achive my FIRE target of EUR 1,000,000. This is -2.3 percentage points closer, compared to the last net worth update.

EUR 145,433 FIRE target: EUR 1,000,000


14.5%

FI portfolio

My FI portfolio now consists of EUR 123,503 (84.9%) in investments, EUR 3,702 (2.5%) in retirement accounts, and EUR 18,228 (12.5%) in cash.

Investments

Since my last update, my investments decreased with EUR -14,208 (-10.32%), of which EUR 750 was from contributions, and EUR -38,046 was from returns.

Since I started tracking, my total contributions have been EUR 242,402, and my total return has been EUR 77,770.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -10 (-0.27%).

Since I started tracking, my total contributions have been EUR 4,962, and my total return is EUR 566.




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be EUR 484 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
484/month
(4.0% SWR)
424/month
(3.5% SWR)
363/month
(3.0% SWR)


When can I retire?

FI date

My age

44

I am currently aiming to save/invest approximately EUR 2,890 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 9 years and 11 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another EUR 427,720, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 426,847


Financial independence forecast