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Net worth update per


This is Fireitupreadytogo's #46 net worth update. Please check out my profile here for more information. As of , my net worth decreased to EUR 806,458 and my FI portfolio decreased to EUR 588,881


Net worth

EUR 806,458

Since the last update on my net worth has decreased with EUR -68,902 ( -7.87 %).

FI portfolio

EUR 588,881

Since the last update on my FI portfolio has decreased with EUR -60,741 ( -9.35 %).

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 9,139 -7,526 1,613
Investments 634,307 -52,480 581,827
Retirement acc 6,176 -735 5,441
Real estate 534,000 0 534,000
Other assets 14,490 0 14,490
Total assets 1,198,112 -60,741 1,137,371

Mortgage 247,146 -2,161 244,985
Other debt 75,606 + 10,322 85,928
Total debt 322,752 + 8,161 330,913
Change
Cash 9,139 -7,526 1,613
Investments 634,307 -52,480 581,827
Retirement acc 6,176 -735 5,441
Real estate 534,000 0 534,000
Other assets 14,490 0 14,490
Total assets 1,198,112 -60,741 1,137,371

Mortgage 247,146 -2,161 244,985
Other debt 75,606 + 10,322 85,928
Total debt 322,752 + 8,161 330,913
Change
Cash 11,875 -10,262 1,613
Investments 61,494 +520,333 581,827
Retirement acc 0 +5,441 5,441
Real estate 280,000 + 254,000 534,000
Other assets 0 + 14,490 14,490
Total assets 353,369 +784,002 1,137,371

Mortgage 141,922 103,063 244,985
Other debt 67,610 + 18,318 85,928
Total debt 209,532 + 121,381 330,913

I am now 58.9% on my way to achive my FIRE target of EUR 1,000,000. This is -6.1 percentage points closer, compared to the last net worth update.

EUR 588,881 FIRE target: EUR 1,000,000


58.9%

FI portfolio

My FI portfolio now consists of EUR 581,827 (98.8%) in investments, EUR 5,441 (0.9%) in retirement accounts, and EUR 1,613 (0.3%) in cash.

Investments

Since my last update, my investments decreased with EUR -52,480 (-8.27%).

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 -735 (-11.9%).

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 1,962 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
1,962/month
(4.0% SWR)
1,717/month
(3.5% SWR)
1,472/month
(3.0% SWR)


When can I retire?

FI date

My age

40

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 4 years and 7 months, in , and at that time I will be 40 years old.

By that time I will have invested/saved another EUR 161,840, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 249,279


Financial independence forecast