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Net worth update per


This is Yohemming's #17 net worth update. Please check out my profile here for more information. As of , my net worth increased to DKK 1,084,410 and my FI portfolio increased to DKK 302,586


Net worth

DKK 1,084,410

Since the last update on my net worth has increased with DKK 16,423 (+ 1.54 %).

FI portfolio

DKK 302,586

Since the last update on my FI portfolio has increased with DKK 13,767 (+ 4.77 %).

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 DKK.
Change
Cash 72,211 +9,000 81,211
Investments 159,381 +1,980 161,361
Retirement acc 57,227 +2,787 60,014
Real estate 2,733,600 0 2,733,600
Other assets 355,000 0 355,000
Total assets 3,377,419 +13,767 3,391,186

Mortgage 2,073,031 0 2,073,031
Other debt 236,401 -2,656 233,745
Total debt 2,309,432 -2,656 2,306,776
Change
Cash 51,511 +29,700 81,211
Investments 121,118 +40,243 161,361
Retirement acc 43,523 +16,491 60,014
Real estate 2,733,600 0 2,733,600
Other assets 355,000 0 355,000
Total assets 3,304,752 +86,434 3,391,186

Mortgage 2,077,467 -4,436 2,073,031
Other debt 244,369 -10,624 233,745
Total debt 2,321,836 -15,060 2,306,776
Change
Cash 55,011 +26,200 81,211
Investments 0 +161,361 161,361
Retirement acc 0 +60,014 60,014
Real estate 2,645,000 + 88,600 2,733,600
Other assets 0 + 355,000 355,000
Total assets 2,700,011 +691,175 3,391,186

Mortgage 2,095,516 -22,485 2,073,031
Other debt 0 + 233,745 233,745
Total debt 2,095,516 + 211,260 2,306,776

I am now 12.1% on my way to achive my FIRE target of DKK 2,500,000. This is 0.6 percentage points closer, compared to the last net worth update.

DKK 302,586 FIRE target: DKK 2,500,000


12.1%

FI portfolio

My FI portfolio now consists of DKK 161,361 (53.3%) in investments, DKK 60,014 (19.8%) in retirement accounts, and DKK 81,211 (26.8%) in cash.

Investments

Since my last update, my investments increased with DKK 1,980 (1.24%), 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 increased with DKK 2,787 (4.87%), 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 1,008 for the rest of my life.


Monthly SWR amount
Retire today with (DKK)
1,008/month
(4.0% SWR)
882/month
(3.5% SWR)
756/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 2 months, in , and at that time I will be 36 years old.

By that time I will have invested/saved another DKK 1,485,000, while the rest will be return on my existing FI portfolio and the new investments, in total DKK 712,414


Financial independence forecast