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Net worth update per


This is Fireitupreadytogo's #25 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 374,688 and my FI portfolio increased to EUR 279,541


Net worth

EUR 374,688

Since the last update on my net worth has increased with EUR 2,602 (+ 0.7 %).

FI portfolio

EUR 279,541

Since the last update on my FI portfolio has increased with EUR 3,089 (+ 1.12 %).

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 11,394 -473 10,921
Investments 260,625 +3,562 264,187
Retirement acc 4,433 0 4,433
Real estate 393,000 0 393,000
Other assets 32,129 0 32,129
Total assets 701,581 +3,089 704,670

Mortgage 260,953 -433 260,520
Other debt 68,542 + 920 69,462
Total debt 329,495 + 487 329,982
Change
Cash 10,265 +656 10,921
Investments 261,848 +2,339 264,187
Retirement acc 4,981 -548 4,433
Real estate 390,000 + 3,000 393,000
Other assets 5,000 + 27,129 32,129
Total assets 672,094 +32,576 704,670

Mortgage 265,275 -4,755 260,520
Other debt 59,475 + 9,987 69,462
Total debt 324,750 + 5,232 329,982
Change
Cash 11,875 -954 10,921
Investments 61,494 +202,693 264,187
Retirement acc 0 +4,433 4,433
Real estate 280,000 + 113,000 393,000
Other assets 0 + 32,129 32,129
Total assets 353,369 +351,301 704,670

Mortgage 141,922 118,598 260,520
Other debt 67,610 + 1,852 69,462
Total debt 209,532 + 120,450 329,982

I am now 28.0% 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 279,541 FIRE target: EUR 1,000,000


28.0%

FI portfolio

My FI portfolio now consists of EUR 264,187 (94.5%) in investments, EUR 4,433 (1.6%) in retirement accounts, and EUR 10,921 (3.9%) in cash.

Investments

Since my last update, my investments increased with EUR 3,562 (1.37%), 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 0 (0.0%).

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 931 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
931/month
(4.0% SWR)
815/month
(3.5% SWR)
698/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 1 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another EUR 329,460, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 390,999


Financial independence forecast