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Net worth update per


This is Fireitupreadytogo's #19 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 370,937 and my FI portfolio increased to EUR 272,904


Net worth

EUR 370,937

Since the last update on my net worth has increased with EUR 5,534 (+ 1.51 %).

FI portfolio

EUR 272,904

Since the last update on my FI portfolio has increased with EUR 2,989 (+ 1.11 %).

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 17,006 +9,658 26,664
Investments 248,255 -6,475 241,780
Retirement acc 4,654 -194 4,460
Real estate 390,000 + 3,000 393,000
Other assets 32,139 0 32,139
Total assets 692,054 +5,989 698,043

Mortgage 263,546 -432 263,114
Other debt 63,105 + 887 63,992
Total debt 326,651 + 455 327,106
Change
Cash 10,265 +16,399 26,664
Investments 261,848 -20,068 241,780
Retirement acc 4,981 -521 4,460
Real estate 390,000 + 3,000 393,000
Other assets 5,000 + 27,139 32,139
Total assets 672,094 +25,949 698,043

Mortgage 265,275 -2,161 263,114
Other debt 59,475 + 4,517 63,992
Total debt 324,750 + 2,356 327,106
Change
Cash 11,875 +14,789 26,664
Investments 61,494 +180,286 241,780
Retirement acc 0 +4,460 4,460
Real estate 280,000 + 113,000 393,000
Other assets 0 + 32,139 32,139
Total assets 353,369 +344,674 698,043

Mortgage 141,922 121,192 263,114
Other debt 67,610 -3,618 63,992
Total debt 209,532 + 117,574 327,106

I am now 27.3% on my way to achive my FIRE target of EUR 1,000,000. This is 0.3 percentage points closer, compared to the last net worth update.

EUR 272,904 FIRE target: EUR 1,000,000


27.3%

FI portfolio

My FI portfolio now consists of EUR 241,780 (88.6%) in investments, EUR 4,460 (1.6%) in retirement accounts, and EUR 26,664 (9.8%) in cash.

Investments

Since my last update, my investments decreased with EUR -6,475 (-2.61%), 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 -194 (-4.17%).

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)
795/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 10 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another EUR 338,130, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 388,966


Financial independence forecast