u/blablaplanet

▲ 0 r/BEFire

40yo what to do now?

I turned 40 last month so maybe a good moment to check I'm doing okay.

Current status.

I have 210k in ETFs (80% IWDA,10% EMIM,10% VWCE) and around 20k in ASML.

Around 20k in a savings account.

We own 2 apartments (estimate a total value around 400k), mortgage on these is done in a few months. The are rented out for about 1600€ total

On our new build home we have an open mortgage of around 350ks still to go.

I save/invest around 1500euro/month currently.

Any tips you guys have?

For example, all the ETFs are now at degiro. Is it okay to stay investing there, or should I start with a second broker (still have an empty saxo bank account from the past)?

Currently we are not thinking about FIRE specifically, just want to do the most smart things. We will reasses when we are both approaching 50years.

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u/blablaplanet — 7 days ago