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 an inherited real estate property.

As you probably know, net worth is calculated as Assets minus Liabilities.

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

  • Last Update: 10/2024 (updated quarterly)
  • Value: €761,986 +2.8% since Q2 2024
  • Investment portfolio / Goal Progress – HERE

One Million Journey Net Worth Evolution

Net Worth Track Record

  • Third Quarter 2024 – €761,986
  • Second Quarter 2024 – €740,984
  • First Quarter 2024 – €728,441
  • Fourth Quarter 2023 – €680,150
  • Third Quarter 2023 – €664,155
  • Second Quarter 2023 – €641,000
  • First Quarter 2023 – €631,961
  • Fourth Quarter 2022 – €568,574
  • Third Quarter 2022 – €543,658
  • Second Quarter 2022 – €521,496
  • First Quarter 2022 – €535,729
  • 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

Q1 2024 Net Worth Overview

Net Worth Distribution

Real Estate makes up 57.7% 58.3% 59.4% 58.6% 48.2% 51.5% 54% 54.6% 53.2% 52.3% 53.9% 57.6% 55.6% 56.9% 64% 65.1% 65.4% 67% 68% 71% of my total assets. This includes our home in England and an industrial warehouse in my hometown that is rented out to a printing house company. This adds €1,198/month of gross passive income to our income stream. I reinvest the net value of it in global equity funds, dividend stocks, or alternative investments. The value of our warehouse is self-assessed, so the asset value could turn out to be higher or lower at the time of a possible sale.

My investment portfolio makes up 36% 35% 33% 31.3% 33% 35.8% 36.9% 31.5% 30.7% 29.8% 25.6% 25% 24.4% 24.3% 24% 23% 21% of my total assets. The 3.3% 4.9% 5.2% 5.9% 6.4% 8.3% 10.9% 9.93% 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, Real Estate Crowdfunding or Crypto. Ideally, I would like to reduce my exposure to this asset to 10%. (Accomplished!) My investment portfolio provides me with an average of €74/month 86 100 159 100 85 100 310 373 414 416 400 of passive income. This is mostly earned via dividend stocks. In Q2 2020 I decided 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. At the moment, the only part of my portfolio which is consistently producing a higher stream of passive income is my dividend portfolio.

Stocks make up 30.4% 26.4% 24.2% 26.9% 27.6% 28.9% 30% 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-€2000 a month to purchase global equities or dividend stocks.

Bonds make up 0% 2% 2.3% 2.5% 2.8% 3.1% 3.3% 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. Since then, I have neither contributed nor sold any unit shares.

Cash makes up 12.2% 14% 20% 16.8% 8.6% 9.8% 10.6% 14.3% 10.2% 9.4% 9% 8.8% 8% 7.4% 6.7% of my total assets. Most of this cash is kept in easy-access savings accounts, paying a +4% interest. Forward annual interest income at current rates is now £300/month. It is going to be painful to “lose” this cash at these rates, but I must recall that higher interest won’t be here forever anyway!

Others (car) make 0.5% 0.7% 0% 0.8% 1% 1.2% 1.4% 1.5% 1.6% of my total assets.

Here’s a chart showing the asset allocation of my net worth:

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