Welcome to the One Million Journey net worth page. My main lifetime financial goal is to reach a one million Euros investment portfolio. The net worth includes cash that I have available to keep as an emergency fund or to invest in my portfolio, plus inherited real estate properties.

As you probably know, net worth is calculated as Assets minus Liabilities. In my case, I have no liabilities, so it turns easier for me: Assets = Net Worth

If interested, you can read and learn more about the basics of net worth and how it is calculated in Investopedia.

  • Last Update: 01/2022 (updated quarterly)
  • Value: €515,721 +2.8 % since Q3 2021
  • Investment portfolio / Goal ProgressHERE

One Million Journey Net Worth Evolution

Net Worth Track Record

  • Fourth Quarter 2021 – €515,721
  • Third Quarter 2021 – €501,826 (Half a millionaire, YAY!)
  • Second Quarter 2021 – €495,480
  • First Quarter 2021 – €471,839
  • Fourth Quarter 2020 – €449,049
  • Third Quarter 2020 – €423,779
  • Second Quarter 2020 – €413,440
  • First Quarter 2020 – €410,907
  • Fourth Quarter 2019 – €443,865
  • Third Quarter 2019 – €434,880
  • Second Quarter 2019 – €410,460

Q2 2021 Net Worth Overview

Net Worth Distribution

Real Estate makes up 52.3% 53.9% 57.6% 55.6% 56.9% 64% 65.1% 65.4% 67% 68% 71% of my total assets. All real estate assets are located in Spain, where I temporarily reside with my fiancée. We own an industrial warehouse that is rented out to a printing house company and adds a little over €1,000/month of gross passive income to our pockets. I reinvest most of it in global equity funds, dividend stocks, or alternative investments. The value of our warehouse is self-assessed, I don’t take into account any growth as the real selling value is inaccurate.

My investment portfolio makes up 36.9% 31.5% 30.7% 29.8% 25.6% 25% 24.4% 24.3% 24% 23% 21% of my total assets. The 8.55% 12.2% 12.9% 13.7% 22% 24% 34% 42% 47% 55% of it is invested in alternative investments assets like P2P/B lending and Real Estate Crowdfunding. Ideally, I would like to reduce my exposure to this asset down to 10%. (managed!) My investment portfolio provides me with a TTM average of €105/month, €85 100 310 373 414 416 400 of passive income. In Q2 2020 I took the decision to start shifting my investment strategy towards global funds accumulators. This decision has a direct impact on my passive income stream. I explained my reasoning here.

Stocks make up 29.5% 24% 21.8% 16.6% 14.6% 14% 12% 7.6% 7% 5.4% of my total assets. I normally contribute between €1000 to €3000 a month to purchase global equities or dividend stocks.

Bonds make up 3.6% 3% 3.4% 3.7% 4% 4.3% 3.3% of my total assets. During Q2 2020 I sold all my corporate bonds to purchase a global bond accumulator instead. I explained this a bit further in my April portfolio update.

Cash makes up 10.6% 14.3% 10.2% 9.4% 9% 8.8% 8% 7.4% 6.7% of my total assets. “Unfortunately”, due to our personal situation, we think it is prudent to keep a good amount of cash in the bank, despite the value depreciation it is suffering from inflation.

Others (car) make 0.8% 1% 1.2% 1.4% 1.5% 1.6% of my total assets. Collecting depreciating assets don’t do any good to my million journey, so I keep a close eye on this percentage and do my best to keep it low.

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