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Net worth update per


This is FIREDreamer's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 55,947 and my FI portfolio increased to GBP 55,632


Net worth

GBP 55,947

Since the last update on my net worth has increased with GBP 3,403 (+ 6.48 %).

FI portfolio

GBP 55,632

Since the last update on my FI portfolio has increased with GBP 3,298 (+ 6.3 %).

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 23,955 +2,048 26,003
Investments 24,646 +1,518 26,164
Retirement acc 3,733 -268 3,465
Real estate 0 0 0
Other assets 44,153 + 105 44,258
Total assets 96,487 +3,403 99,890

Mortgage 0 0 0
Other debt 43,943 0 43,943
Total debt 43,943 0 43,943
Change
Cash 20,755 +5,248 26,003
Investments 23,950 +2,214 26,164
Retirement acc 3,524 -59 3,465
Real estate 0 0 0
Other assets 43,943 + 315 44,258
Total assets 92,172 +7,718 99,890

Mortgage 0 0 0
Other debt 43,943 0 43,943
Total debt 43,943 0 43,943
Change
Cash 20,755 +5,248 26,003
Investments 23,950 +2,214 26,164
Retirement acc 3,524 -59 3,465
Real estate 0 0 0
Other assets 43,943 + 315 44,258
Total assets 92,172 +7,718 99,890

Mortgage 0 0 0
Other debt 43,943 0 43,943
Total debt 43,943 0 43,943

I am now 9.3% on my way to achive my FIRE target of GBP 600,000. This is 0.5 percentage points closer, compared to the last net worth update.

GBP 55,632 FIRE target: GBP 600,000


9.3%

FI portfolio

My FI portfolio now consists of GBP 26,164 (47.0%) in investments, GBP 3,465 (6.2%) in retirement accounts, and GBP 26,003 (46.7%) in cash.

Investments

Since my last update, my investments increased with GBP 1,518 (6.16%), of which GBP 1,000 was from contributions, and GBP 25,058 was from returns.

Since I started tracking, my total contributions have been GBP 60,975, and my total return has been GBP 113,781.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -268 (-7.18%), of which GBP 1,000 was from contributions , and GBP -459 was from returns.

Since I started tracking, my total contributions have been GBP 11,814, and my total return is GBP 677.




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

If I quit working today, my monthly pay out would be GBP 185 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
185/month
(4.0% SWR)
162/month
(3.5% SWR)
139/month
(3.0% SWR)


When can I retire?

FI date

My age

38

I am currently aiming to save/invest approximately GBP 2,750 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 600,000 in 5 years and 1 months, in , and at that time I will be 38 years old.

By that time I will have invested/saved another GBP 302,500, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 241,868


Financial independence forecast