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Net worth update per


This is Fireitupreadytogo's #23 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 356,649 and my FI portfolio decreased to EUR 260,527


Net worth

EUR 356,649

Since the last update on my net worth has decreased with EUR -5,578 ( -1.54 %).

FI portfolio

EUR 260,527

Since the last update on my FI portfolio has decreased with EUR -15,949 ( -5.77 %).

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 8,286 -99 8,187
Investments 263,569 -15,553 248,016
Retirement acc 4,621 -297 4,324
Real estate 390,000 + 3,000 393,000
Other assets 32,139 -10 32,129
Total assets 698,615 -12,959 685,656

Mortgage 261,817 -432 261,385
Other debt 74,571 -6,949 67,622
Total debt 336,388 -7,381 329,007
Change
Cash 10,265 -2,078 8,187
Investments 261,848 -13,832 248,016
Retirement acc 4,981 -657 4,324
Real estate 390,000 + 3,000 393,000
Other assets 5,000 + 27,129 32,129
Total assets 672,094 +13,562 685,656

Mortgage 265,275 -3,890 261,385
Other debt 59,475 + 8,147 67,622
Total debt 324,750 + 4,257 329,007
Change
Cash 11,875 -3,688 8,187
Investments 61,494 +186,522 248,016
Retirement acc 0 +4,324 4,324
Real estate 280,000 + 113,000 393,000
Other assets 0 + 32,129 32,129
Total assets 353,369 +332,287 685,656

Mortgage 141,922 119,463 261,385
Other debt 67,610 + 12 67,622
Total debt 209,532 + 119,475 329,007

I am now 26.1% on my way to achive my FIRE target of EUR 1,000,000. This is -1.6 percentage points closer, compared to the last net worth update.

EUR 260,527 FIRE target: EUR 1,000,000


26.1%

FI portfolio

My FI portfolio now consists of EUR 248,016 (95.2%) in investments, EUR 4,324 (1.7%) in retirement accounts, and EUR 8,187 (3.1%) in cash.

Investments

Since my last update, my investments decreased with EUR -15,553 (-5.9%).

Since I started tracking, my total contributions have been EUR 242,402, and my total return has been EUR 69,499.

Retirement accounts

Since my last update, my retirement accounts decreased with EUR -297 (-6.43%).

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 868 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
868/month
(4.0% SWR)
759/month
(3.5% SWR)
651/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 8 years and 2 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another EUR 341,020, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 398,453


Financial independence forecast