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Net worth update per


This is Fireitupreadytogo's #17 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 368,531 and my FI portfolio increased to EUR 272,988


Net worth

EUR 368,531

Since the last update on my net worth has increased with EUR 10,302 (+ 2.88 %).

FI portfolio

EUR 272,988

Since the last update on my FI portfolio has increased with EUR 6,966 (+ 2.62 %).

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 11,600 -6,818 4,782
Investments 249,772 +13,580 263,352
Retirement acc 4,650 +204 4,854
Real estate 393,000 -3,000 390,000
Other assets 24,900 + 7,239 32,139
Total assets 683,922 +11,205 695,127

Mortgage 264,411 0 264,411
Other debt 61,282 + 903 62,185
Total debt 325,693 + 903 326,596
Change
Cash 10,265 -5,483 4,782
Investments 261,848 +1,504 263,352
Retirement acc 4,981 -127 4,854
Real estate 390,000 0 390,000
Other assets 5,000 + 27,139 32,139
Total assets 672,094 +23,033 695,127

Mortgage 265,275 -864 264,411
Other debt 59,475 + 2,710 62,185
Total debt 324,750 + 1,846 326,596
Change
Cash 11,875 -7,093 4,782
Investments 61,494 +201,858 263,352
Retirement acc 0 +4,854 4,854
Real estate 280,000 + 110,000 390,000
Other assets 0 + 32,139 32,139
Total assets 353,369 +341,758 695,127

Mortgage 141,922 122,489 264,411
Other debt 67,610 -5,425 62,185
Total debt 209,532 + 117,064 326,596

I am now 27.3% on my way to achive my FIRE target of EUR 1,000,000. This is 0.7 percentage points closer, compared to the last net worth update.

EUR 272,988 FIRE target: EUR 1,000,000


27.3%

FI portfolio

My FI portfolio now consists of EUR 263,352 (96.5%) in investments, EUR 4,854 (1.8%) in retirement accounts, and EUR 4,782 (1.8%) in cash.

Investments

Since my last update, my investments increased with EUR 13,580 (5.44%), 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 increased with EUR 204 (4.39%).

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 909 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
909/month
(4.0% SWR)
796/month
(3.5% SWR)
682/month
(3.0% SWR)


When can I retire?

FI date

My age

42

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 7 years and 6 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another EUR 332,350, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 394,662


Financial independence forecast