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Net worth update per


This is Fireitupreadytogo's #43 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 525,203 and my FI portfolio decreased to EUR 419,939


Net worth

EUR 525,203

Since the last update on my net worth has decreased with EUR -8,352 ( -1.57 %).

FI portfolio

EUR 419,939

Since the last update on my FI portfolio has decreased with EUR -8,722 ( -2.03 %).

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 2,989 +7,157 10,146
Investments 420,080 -15,837 404,243
Retirement acc 5,592 -42 5,550
Real estate 415,000 0 415,000
Other assets 14,490 0 14,490
Total assets 858,151 -8,722 849,429

Mortgage 249,308 -433 248,875
Other debt 75,288 + 63 75,351
Total debt 324,596 + -370 324,226
Change
Cash 9,273 +873 10,146
Investments 359,479 +44,764 404,243
Retirement acc 4,867 +683 5,550
Real estate 406,000 + 9,000 415,000
Other assets 13,490 + 1,000 14,490
Total assets 793,109 +56,320 849,429

Mortgage 252,333 -3,458 248,875
Other debt 76,291 -940 75,351
Total debt 328,624 -4,398 324,226
Change
Cash 11,875 -1,729 10,146
Investments 61,494 +342,749 404,243
Retirement acc 0 +5,550 5,550
Real estate 280,000 + 135,000 415,000
Other assets 0 + 14,490 14,490
Total assets 353,369 +496,060 849,429

Mortgage 141,922 106,953 248,875
Other debt 67,610 + 7,741 75,351
Total debt 209,532 + 114,694 324,226

I am now 42.0% on my way to achive my FIRE target of EUR 1,000,000. This is -0.9 percentage points closer, compared to the last net worth update.

EUR 419,939 FIRE target: EUR 1,000,000


42.0%

FI portfolio

My FI portfolio now consists of EUR 404,243 (96.3%) in investments, EUR 5,550 (1.3%) in retirement accounts, and EUR 10,146 (2.4%) in cash.

Investments

Since my last update, my investments decreased with EUR -15,837 (-3.77%).

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 -42 (-0.75%).

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 1,399 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,399/month
(4.0% SWR)
1,224/month
(3.5% SWR)
1,049/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 3 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another EUR 245,650, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 334,411


Financial independence forecast