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Net worth update per


This is Fireitupreadytogo's #38 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 537,606 and my FI portfolio increased to EUR 433,466


Net worth

EUR 537,606

Since the last update on my net worth has increased with EUR 47,884 (+ 9.78 %).

FI portfolio

EUR 433,466

Since the last update on my FI portfolio has increased with EUR 35,042 (+ 8.8 %).

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 10,106 -980 9,126
Investments 383,136 +35,826 418,962
Retirement acc 5,182 +196 5,378
Real estate 406,000 + 9,000 415,000
Other assets 13,490 + 1,000 14,490
Total assets 817,914 +45,042 862,956

Mortgage 251,901 -1,532 250,369
Other debt 76,291 -1,310 74,981
Total debt 328,192 -2,842 325,350
Change
Cash 9,273 -147 9,126
Investments 359,479 +59,483 418,962
Retirement acc 4,867 +511 5,378
Real estate 406,000 + 9,000 415,000
Other assets 13,490 + 1,000 14,490
Total assets 793,109 +69,847 862,956

Mortgage 252,333 -1,964 250,369
Other debt 76,291 -1,310 74,981
Total debt 328,624 -3,274 325,350
Change
Cash 11,875 -2,749 9,126
Investments 61,494 +357,468 418,962
Retirement acc 0 +5,378 5,378
Real estate 280,000 + 135,000 415,000
Other assets 0 + 14,490 14,490
Total assets 353,369 +509,587 862,956

Mortgage 141,922 108,447 250,369
Other debt 67,610 + 7,371 74,981
Total debt 209,532 + 115,818 325,350

I am now 43.3% on my way to achive my FIRE target of EUR 1,000,000. This is 3.5 percentage points closer, compared to the last net worth update.

EUR 433,466 FIRE target: EUR 1,000,000


43.3%

FI portfolio

My FI portfolio now consists of EUR 418,962 (96.7%) in investments, EUR 5,378 (1.2%) in retirement accounts, and EUR 9,126 (2.1%) in cash.

Investments

Since my last update, my investments increased with EUR 35,826 (9.35%).

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 196 (3.78%).

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 1,444 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,444/month
(4.0% SWR)
1,264/month
(3.5% SWR)
1,083/month
(3.0% SWR)


When can I retire?

FI date

My age

41

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 6 years and 8 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another EUR 239,870, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 326,664


Financial independence forecast