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Net worth update per


This is Yohemming's #27 net worth update. Please check out my profile here for more information. As of , my net worth increased to DKK 1,285,648 and my FI portfolio increased to DKK 407,846


Net worth

DKK 1,285,648

Since the last update on my net worth has increased with DKK 7,405 (+ 0.58 %).

FI portfolio

DKK 407,846

Since the last update on my FI portfolio has increased with DKK 4,749 (+ 1.18 %).

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 DKK.
Change
Cash 66,789 +4,000 70,789
Investments 245,355 +2,681 248,036
Retirement acc 90,953 -1,932 89,021
Real estate 2,825,200 0 2,825,200
Other assets 319,500 0 319,500
Total assets 3,547,797 +4,749 3,552,546

Mortgage 2,059,713 0 2,059,713
Other debt 209,841 -2,656 207,185
Total debt 2,269,554 -2,656 2,266,898
Change
Cash 70,099 +690 70,789
Investments 251,928 -3,892 248,036
Retirement acc 90,525 -1,504 89,021
Real estate 2,825,200 0 2,825,200
Other assets 319,500 0 319,500
Total assets 3,557,252 -4,706 3,552,546

Mortgage 2,059,713 0 2,059,713
Other debt 212,497 -5,312 207,185
Total debt 2,272,210 -5,312 2,266,898
Change
Cash 55,011 +15,778 70,789
Investments 0 +248,036 248,036
Retirement acc 0 +89,021 89,021
Real estate 2,645,000 + 180,200 2,825,200
Other assets 0 + 319,500 319,500
Total assets 2,700,011 +852,535 3,552,546

Mortgage 2,095,516 -35,803 2,059,713
Other debt 0 + 207,185 207,185
Total debt 2,095,516 + 171,382 2,266,898

I am now 16.3% on my way to achive my FIRE target of DKK 2,500,000. This is 0.2 percentage points closer, compared to the last net worth update.

DKK 407,846 FIRE target: DKK 2,500,000


16.3%

FI portfolio

My FI portfolio now consists of DKK 248,036 (60.8%) in investments, DKK 89,021 (21.8%) in retirement accounts, and DKK 70,789 (17.4%) in cash.

Investments

Since my last update, my investments increased with DKK 2,681 (1.09%), of which DKK 23,000 was from contributions, and DKK -31,322 was from returns.

Since I started tracking, my total contributions have been DKK 599,441, and my total return has been DKK 163,590.

Retirement accounts

Since my last update, my retirement accounts decreased with DKK -1,932 (-2.12%), of which DKK 4,409 was from contributions , and DKK 693 was from returns.

Since I started tracking, my total contributions have been DKK 128,572, and my total return is DKK 12,692.




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be DKK 1,359 for the rest of my life.


Monthly SWR amount
Retire today with (DKK)
1,359/month
(4.0% SWR)
1,189/month
(3.5% SWR)
1,019/month
(3.0% SWR)


When can I retire?

FI date

My age

36

I am currently aiming to save/invest approximately DKK 15,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of DKK 2,500,000 in 5 years and 6 months, in , and at that time I will be 36 years old.

By that time I will have invested/saved another DKK 1,395,000, while the rest will be return on my existing FI portfolio and the new investments, in total DKK 697,154


Financial independence forecast