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Net worth update per


This is cybernaut's #11 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 672,800 and my FI portfolio increased to GBP 417,200


Net worth

GBP 672,800

Since the last update on my net worth has increased with GBP 2,400 (+ 0.36 %).

FI portfolio

GBP 417,200

Since the last update on my FI portfolio has increased with GBP 2,100 (+ 0.51 %).

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 99,500 +3,100 102,600
Retirement acc 309,600 -1,000 308,600
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 695,100 +2,100 697,200

Mortgage 24,700 -300 24,400
Other debt 0 0 0
Total debt 24,700 -300 24,400
Change
Cash 6,000 0 6,000
Investments 96,500 +6,100 102,600
Retirement acc 287,800 +20,800 308,600
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 670,300 +26,900 697,200

Mortgage 26,350 -1,950 24,400
Other debt 0 0 0
Total debt 26,350 -1,950 24,400
Change
Cash 6,000 0 6,000
Investments 89,000 +13,600 102,600
Retirement acc 283,000 +25,600 308,600
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 658,000 +39,200 697,200

Mortgage 27,000 -2,600 24,400
Other debt 0 0 0
Total debt 27,000 -2,600 24,400

I am now 33.4% on my way to achive my FIRE target of GBP 1,250,000. This is 0.2 percentage points closer, compared to the last net worth update.

GBP 417,200 FIRE target: GBP 1,250,000


33.4%

FI portfolio

My FI portfolio now consists of GBP 102,600 (24.6%) in investments, GBP 308,600 (74.0%) in retirement accounts, and GBP 6,000 (1.4%) in cash.

Investments

Since my last update, my investments increased with GBP 3,100 (3.12%), of which GBP 100 was from contributions, and GBP -6,500 was from returns.

Since I started tracking, my total contributions have been GBP 140,800, and my total return has been GBP 9,200.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -1,000 (-0.32%), of which GBP 3,477 was from contributions , and GBP -13,377 was from returns.

Since I started tracking, my total contributions have been GBP 120,188, and my total return is GBP 90,212.




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

If I quit working today, my monthly pay out would be GBP 1,390 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,390/month
(4.0% SWR)
1,216/month
(3.5% SWR)
1,043/month
(3.0% SWR)


When can I retire?

FI date

My age

50

I am currently aiming to save/invest approximately GBP 3,470 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,250,000 in 2 years and 2 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another GBP 291,480, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 541,320


Financial independence forecast