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Net worth update per


This is cybernaut's #9 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 651,700 and my FI portfolio increased to GBP 396,700


Net worth

GBP 651,700

Since the last update on my net worth has increased with GBP 7,600 (+ 1.18 %).

FI portfolio

GBP 396,700

Since the last update on my FI portfolio has increased with GBP 7,400 (+ 1.9 %).

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 GBP.
Change
Cash 6,000 0 6,000
Investments 91,500 +2,200 93,700
Retirement acc 291,800 +5,200 297,000
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 669,300 +7,400 676,700

Mortgage 25,200 -200 25,000
Other debt 0 0 0
Total debt 25,200 -200 25,000
Change
Cash 6,000 0 6,000
Investments 96,500 -2,800 93,700
Retirement acc 287,800 +9,200 297,000
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 670,300 +6,400 676,700

Mortgage 26,350 -1,350 25,000
Other debt 0 0 0
Total debt 26,350 -1,350 25,000
Change
Cash 6,000 0 6,000
Investments 89,000 +4,700 93,700
Retirement acc 283,000 +14,000 297,000
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 658,000 +18,700 676,700

Mortgage 27,000 -2,000 25,000
Other debt 0 0 0
Total debt 27,000 -2,000 25,000

I am now 33.1% on my way to achive my FIRE target of GBP 1,200,000. This is 0.6 percentage points closer, compared to the last net worth update.

GBP 396,700 FIRE target: GBP 1,200,000


33.1%

FI portfolio

My FI portfolio now consists of GBP 93,700 (23.6%) in investments, GBP 297,000 (74.9%) in retirement accounts, and GBP 6,000 (1.5%) in cash.

Investments

Since my last update, my investments increased with GBP 2,200 (2.4%).

Since I started tracking, my total contributions have been GBP 127,700, and my total return has been GBP 25,200.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 5,200 (1.78%), of which GBP 3,216 was from contributions , and GBP 12,984 was from returns.

Since I started tracking, my total contributions have been GBP 74,497, and my total return is GBP 107,303.




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be GBP 1,322 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,322/month
(4.0% SWR)
1,157/month
(3.5% SWR)
991/month
(3.0% SWR)


When can I retire?

FI date

My age

50

I am currently aiming to save/invest approximately GBP 3,400 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,200,000 in 3 years and 0 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another GBP 285,600, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 517,700


Financial independence forecast