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Net worth update per


This is Fireitupreadytogo's #44 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 551,495 and my FI portfolio increased to EUR 445,493


Net worth

EUR 551,495

Since the last update on my net worth has increased with EUR 26,292 (+ 5.01 %).

FI portfolio

EUR 445,493

Since the last update on my FI portfolio has increased with EUR 25,554 (+ 6.09 %).

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 10,146 -2,649 7,497
Investments 404,243 +28,030 432,273
Retirement acc 5,550 +173 5,723
Real estate 415,000 0 415,000
Other assets 14,490 0 14,490
Total assets 849,429 +25,554 874,983

Mortgage 248,875 -865 248,010
Other debt 75,351 + 127 75,478
Total debt 324,226 + -738 323,488
Change
Cash 9,273 -1,776 7,497
Investments 359,479 +72,794 432,273
Retirement acc 4,867 +856 5,723
Real estate 406,000 + 9,000 415,000
Other assets 13,490 + 1,000 14,490
Total assets 793,109 +81,874 874,983

Mortgage 252,333 -4,323 248,010
Other debt 76,291 -813 75,478
Total debt 328,624 -5,136 323,488
Change
Cash 11,875 -4,378 7,497
Investments 61,494 +370,779 432,273
Retirement acc 0 +5,723 5,723
Real estate 280,000 + 135,000 415,000
Other assets 0 + 14,490 14,490
Total assets 353,369 +521,614 874,983

Mortgage 141,922 106,088 248,010
Other debt 67,610 + 7,868 75,478
Total debt 209,532 + 113,956 323,488

I am now 44.5% on my way to achive my FIRE target of EUR 1,000,000. This is 2.6 percentage points closer, compared to the last net worth update.

EUR 445,493 FIRE target: EUR 1,000,000


44.5%

FI portfolio

My FI portfolio now consists of EUR 432,273 (97.0%) in investments, EUR 5,723 (1.3%) in retirement accounts, and EUR 7,497 (1.7%) in cash.

Investments

Since my last update, my investments increased with EUR 28,030 (6.93%), of which EUR 5,000 was from contributions, and EUR 23,030 was from returns.

Since I started tracking, my total contributions have been EUR 263,402, and my total return has been EUR 107,377.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 173 (3.12%).

Since I started tracking, my total contributions have been EUR 4,962, and my total return is EUR 761.




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

If I quit working today, my monthly pay out would be EUR 1,484 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,484/month
(4.0% SWR)
1,299/month
(3.5% SWR)
1,113/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 7 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another EUR 231,200, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 323,307


Financial independence forecast