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Net worth update per September 5th 2019


This is theflairbunny's #6 net worth update. Please check out my profile here for more information. As of September 5th 2019, my net worth increased to GBP 39,006 and my FI portfolio increased to GBP 51,480


Net worth

GBP 39,006

Since the last update on August 5th 2019 my net worth has increased with GBP 5,682 (+ 17.05 %).

FI portfolio

GBP 51,480

Since the last update on August 5th 2019 my FI portfolio has increased with GBP 5,682 (+ 12.41 %).

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.
5 Aug 19 Change 5 Sep 19
Cash 27,393 -4,159 23,234
Investments 9,786 +9,841 19,627
Retirement acc 8,619 0 8,619
Real estate 0 0 0
Other assets 0 0 0
Total assets 45,798 +5,682 51,480

Mortgage 0 0 0
Other debt 12,474 0 12,474
Total debt 12,474 0 12,474
5 Apr 19 Change 5 Sep 19
Cash 2,082 +21,152 23,234
Investments 3,137 +16,490 19,627
Retirement acc 7,160 +1,459 8,619
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +39,101 51,480

Mortgage 0 0 0
Other debt 15,575 -3,101 12,474
Total debt 15,575 -3,101 12,474
5 Apr 19 Change 5 Sep 19
Cash 2,082 +21,152 23,234
Investments 3,137 +16,490 19,627
Retirement acc 7,160 +1,459 8,619
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +39,101 51,480

Mortgage 0 0 0
Other debt 15,575 -3,101 12,474
Total debt 15,575 -3,101 12,474

I am now 8.6% on my way to achive my FIRE target of GBP 600,000. This is 0.9 percentage points closer, compared to the last net worth update.

GBP 51,480 FIRE target: GBP 600,000


8.6%

FI portfolio

My FI portfolio now consists of GBP 19,627 (38.1%) in investments, GBP 8,619 (16.7%) in retirement accounts, and GBP 23,234 (45.1%) in cash.

Investments

Since my last update, my investments increased with GBP 9,841 (100.56%), of which GBP 20,000 was from contributions, and GBP 32,027 was from returns.

Since I started tracking, my total contributions have been GBP 285,377, and my total return has been GBP 88,901.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP 0 (0.0%).

Since I started tracking, my total contributions have been GBP 106,397, and my total return is GBP 32,900.




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

If I quit working today, my monthly pay out would be GBP 171 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
171/month
(4.0% SWR)
150/month
(3.5% SWR)
128/month
(3.0% SWR)


When can I retire?

FI date

September 2025

My age

34

I am currently aiming to save/invest approximately GBP 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 600,000 in 0 years and 3 months, in September 2025, and at that time I will be 34 years old.

By that time I will have invested/saved another GBP 432,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 116,520


Financial independence forecast