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Net worth update per


This is Beetywelk's #2 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 92,399 and my FI portfolio increased to GBP 58,703


Net worth

GBP 92,399

Since the last update on my net worth has increased with GBP 2,864 (+ 3.2 %).

FI portfolio

GBP 58,703

Since the last update on my FI portfolio has increased with GBP 10,867 (+ 22.72 %).

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 8,086 +8,205 16,291
Investments 20,500 +1,953 22,453
Retirement acc 19,250 +709 19,959
Real estate 136,129 0 136,129
Other assets 8,750 -8,750 0
Total assets 192,715 +2,117 194,832

Mortgage 88,180 -362 87,818
Other debt 15,000 -385 14,615
Total debt 103,180 -747 102,433
Change
Cash 8,086 +8,205 16,291
Investments 20,500 +1,953 22,453
Retirement acc 19,250 +709 19,959
Real estate 136,129 0 136,129
Other assets 8,750 -8,750 0
Total assets 192,715 +2,117 194,832

Mortgage 88,180 -362 87,818
Other debt 15,000 -385 14,615
Total debt 103,180 -747 102,433
Change
Cash 8,086 +8,205 16,291
Investments 20,500 +1,953 22,453
Retirement acc 19,250 +709 19,959
Real estate 136,129 0 136,129
Other assets 8,750 -8,750 0
Total assets 192,715 +2,117 194,832

Mortgage 88,180 -362 87,818
Other debt 15,000 -385 14,615
Total debt 103,180 -747 102,433

I am now 11.7% on my way to achive my FIRE target of GBP 500,000. This is 2.2 percentage points closer, compared to the last net worth update.

GBP 58,703 FIRE target: GBP 500,000


11.7%

FI portfolio

My FI portfolio now consists of GBP 22,453 (38.2%) in investments, GBP 19,959 (34.0%) in retirement accounts, and GBP 16,291 (27.8%) in cash.

Investments

Since my last update, my investments increased with GBP 1,953 (9.53%), of which GBP 1,000 was from contributions, and GBP 445 was from returns.

Since I started tracking, my total contributions have been GBP 2,750, and my total return has been GBP 648.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 709 (3.68%), of which GBP 395 was from contributions , and GBP 317 was from returns.

Since I started tracking, my total contributions have been GBP 725, and my total return is GBP 696.




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

If I quit working today, my monthly pay out would be GBP 195 for the rest of my life.


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


When can I retire?

FI date

My age

49

I am currently aiming to save/invest approximately GBP 1,395 each month.

Assuming an annual return of 8% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 500,000 in 8 years and 4 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another GBP 210,645, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 230,652


Financial independence forecast