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Net worth update per


This is Fireitupreadytogo's #40 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 500,224 and my FI portfolio decreased to EUR 396,049


Net worth

EUR 500,224

Since the last update on my net worth has decreased with EUR -11,300 ( -2.21 %).

FI portfolio

EUR 396,049

Since the last update on my FI portfolio has decreased with EUR -11,651 ( -2.86 %).

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 20,506 -3,380 17,126
Investments 381,666 -8,271 373,395
Retirement acc 5,528 0 5,528
Real estate 415,000 0 415,000
Other assets 14,490 0 14,490
Total assets 837,190 -11,651 825,539

Mortgage 250,604 -432 250,172
Other debt 75,062 + 81 75,143
Total debt 325,666 + -351 325,315
Change
Cash 9,273 +7,853 17,126
Investments 359,479 +13,916 373,395
Retirement acc 4,867 +661 5,528
Real estate 406,000 + 9,000 415,000
Other assets 13,490 + 1,000 14,490
Total assets 793,109 +32,430 825,539

Mortgage 252,333 -2,161 250,172
Other debt 76,291 -1,148 75,143
Total debt 328,624 -3,309 325,315
Change
Cash 11,875 +5,251 17,126
Investments 61,494 +311,901 373,395
Retirement acc 0 +5,528 5,528
Real estate 280,000 + 135,000 415,000
Other assets 0 + 14,490 14,490
Total assets 353,369 +472,170 825,539

Mortgage 141,922 108,250 250,172
Other debt 67,610 + 7,533 75,143
Total debt 209,532 + 115,783 325,315

I am now 39.6% 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 396,049 FIRE target: EUR 1,000,000


39.6%

FI portfolio

My FI portfolio now consists of EUR 373,395 (94.3%) in investments, EUR 5,528 (1.4%) in retirement accounts, and EUR 17,126 (4.3%) in cash.

Investments

Since my last update, my investments decreased with EUR -8,271 (-2.17%).

Since I started tracking, my total contributions have been EUR 402,902, and my total return has been EUR 117,431.

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 479.




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

If I quit working today, my monthly pay out would be EUR 1,320 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,320/month
(4.0% SWR)
1,155/month
(3.5% SWR)
990/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 6 years and 6 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another EUR 260,100, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 343,851


Financial independence forecast