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Net worth update per


This is Fireitupreadytogo's #31 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 427,618 and my FI portfolio increased to EUR 314,859


Net worth

EUR 427,618

Since the last update on my net worth has increased with EUR 12,062 (+ 2.9 %).

FI portfolio

EUR 314,859

Since the last update on my FI portfolio has increased with EUR 12,342 (+ 4.08 %).

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 27,245 -1,678 25,567
Investments 270,747 +13,899 284,646
Retirement acc 4,525 +121 4,646
Real estate 406,000 0 406,000
Other assets 35,629 0 35,629
Total assets 744,146 +12,342 756,488

Mortgage 255,359 -433 254,926
Other debt 73,231 + 713 73,944
Total debt 328,590 + 280 328,870
Change
Cash 16,052 +9,515 25,567
Investments 256,446 +28,200 284,646
Retirement acc 4,353 +293 4,646
Real estate 390,000 + 16,000 406,000
Other assets 32,139 + 3,490 35,629
Total assets 698,990 +57,498 756,488

Mortgage 257,088 -2,162 254,926
Other debt 70,383 + 3,561 73,944
Total debt 327,471 + 1,399 328,870
Change
Cash 11,875 +13,692 25,567
Investments 61,494 +223,152 284,646
Retirement acc 0 +4,646 4,646
Real estate 280,000 + 126,000 406,000
Other assets 0 + 35,629 35,629
Total assets 353,369 +403,119 756,488

Mortgage 141,922 113,004 254,926
Other debt 67,610 + 6,334 73,944
Total debt 209,532 + 119,338 328,870

I am now 31.5% on my way to achive my FIRE target of EUR 1,000,000. This is 1.2 percentage points closer, compared to the last net worth update.

EUR 314,859 FIRE target: EUR 1,000,000


31.5%

FI portfolio

My FI portfolio now consists of EUR 284,646 (90.4%) in investments, EUR 4,646 (1.5%) in retirement accounts, and EUR 25,567 (8.1%) in cash.

Investments

Since my last update, my investments increased with EUR 13,899 (5.13%).

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 increased with EUR 121 (2.67%).

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 1,049 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,049/month
(4.0% SWR)
918/month
(3.5% SWR)
787/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 0 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another EUR 312,120, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 373,021


Financial independence forecast