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Net worth update per


This is Fireitupreadytogo's #45 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 875,360 and my FI portfolio increased to EUR 649,622


Net worth

EUR 875,360

Since the last update on my net worth has increased with EUR 323,865 (+ 58.72 %).

FI portfolio

EUR 649,622

Since the last update on my FI portfolio has increased with EUR 204,129 (+ 45.82 %).

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 7,497 +1,642 9,139
Investments 432,273 +202,034 634,307
Retirement acc 5,723 +453 6,176
Real estate 415,000 + 119,000 534,000
Other assets 14,490 0 14,490
Total assets 874,983 +323,129 1,198,112

Mortgage 248,010 -864 247,146
Other debt 75,478 + 128 75,606
Total debt 323,488 + -736 322,752
Change
Cash 9,273 -134 9,139
Investments 359,479 +274,828 634,307
Retirement acc 4,867 +1,309 6,176
Real estate 406,000 + 128,000 534,000
Other assets 13,490 + 1,000 14,490
Total assets 793,109 +405,003 1,198,112

Mortgage 252,333 -5,187 247,146
Other debt 76,291 -685 75,606
Total debt 328,624 -5,872 322,752
Change
Cash 11,875 -2,736 9,139
Investments 61,494 +572,813 634,307
Retirement acc 0 +6,176 6,176
Real estate 280,000 + 254,000 534,000
Other assets 0 + 14,490 14,490
Total assets 353,369 +844,743 1,198,112

Mortgage 141,922 105,224 247,146
Other debt 67,610 + 7,996 75,606
Total debt 209,532 + 113,220 322,752

I am now 65.0% on my way to achive my FIRE target of EUR 1,000,000. This is 20.4 percentage points closer, compared to the last net worth update.

EUR 649,622 FIRE target: EUR 1,000,000


65.0%

FI portfolio

My FI portfolio now consists of EUR 634,307 (97.6%) in investments, EUR 6,176 (1.0%) in retirement accounts, and EUR 9,139 (1.4%) in cash.

Investments

Since my last update, my investments increased with EUR 202,034 (46.74%).

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 increased with EUR 453 (7.92%).

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 2,165 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
2,165/month
(4.0% SWR)
1,894/month
(3.5% SWR)
1,624/month
(3.0% SWR)


When can I retire?

FI date

My age

39

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 3 years and 5 months, in , and at that time I will be 39 years old.

By that time I will have invested/saved another EUR 135,830, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 214,548


Financial independence forecast