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Net worth update per


This is Cloudstrife's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 111,587 and my FI portfolio increased to GBP 48,587


Net worth

GBP 111,587

Since the last update on my net worth has increased with GBP 33,536 (+ 42.97 %).

FI portfolio

GBP 48,587

Since the last update on my FI portfolio has increased with GBP 13,536 (+ 38.62 %).

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 9,585 +5,315 14,900
Investments 3,911 +3,580 7,491
Retirement acc 21,555 +4,641 26,196
Real estate 159,000 + 11,000 170,000
Other assets 0 0 0
Total assets 194,051 +24,536 218,587

Mortgage 116,000 -9,000 107,000
Other debt 0 0 0
Total debt 116,000 -9,000 107,000
Change
Cash 7,154 +7,746 14,900
Investments 2,080 +5,411 7,491
Retirement acc 18,712 +7,484 26,196
Real estate 153,000 + 17,000 170,000
Other assets 0 0 0
Total assets 180,946 +37,641 218,587

Mortgage 121,200 -14,200 107,000
Other debt 0 0 0
Total debt 121,200 -14,200 107,000
Change
Cash 3,966 +10,934 14,900
Investments 200 +7,291 7,491
Retirement acc 15,189 +11,007 26,196
Real estate 147,000 + 23,000 170,000
Other assets 0 0 0
Total assets 166,355 +52,232 218,587

Mortgage 126,460 -19,460 107,000
Other debt 0 0 0
Total debt 126,460 -19,460 107,000

I am now 4.9% on my way to achive my FIRE target of GBP 1,000,000. This is 1.4 percentage points closer, compared to the last net worth update.

GBP 48,587 FIRE target: GBP 1,000,000


4.9%

FI portfolio

My FI portfolio now consists of GBP 7,491 (15.4%) in investments, GBP 26,196 (53.9%) in retirement accounts, and GBP 14,900 (30.7%) in cash.

Investments

Since my last update, my investments increased with GBP 3,580 (91.54%), of which GBP 6,250 was from contributions, and GBP 11,207 was from returns.

Since I started tracking, my total contributions have been GBP 47,500, and my total return has been GBP 16,703.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 4,641 (21.53%), of which GBP 15,605 was from contributions , and GBP 13,764 was from returns.

Since I started tracking, my total contributions have been GBP 55,595, and my total return is GBP 22,180.




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

If I quit working today, my monthly pay out would be GBP 161 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
161/month
(4.0% SWR)
141/month
(3.5% SWR)
121/month
(3.0% SWR)


When can I retire?

FI date

My age

59

I am currently aiming to save/invest approximately GBP 1,842 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 17 years and 4 months, in , and at that time I will be 59 years old.

By that time I will have invested/saved another GBP 484,446, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 466,967


Financial independence forecast