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Net worth update per


This is Cloudstrife's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 78,051 and my FI portfolio increased to GBP 35,051


Net worth

GBP 78,051

Since the last update on my net worth has increased with GBP 18,305 (+ 30.64 %).

FI portfolio

GBP 35,051

Since the last update on my FI portfolio has increased with GBP 7,105 (+ 25.42 %).

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 7,154 +2,431 9,585
Investments 2,080 +1,831 3,911
Retirement acc 18,712 +2,843 21,555
Real estate 153,000 + 6,000 159,000
Other assets 0 0 0
Total assets 180,946 +13,105 194,051

Mortgage 121,200 -5,200 116,000
Other debt 0 0 0
Total debt 121,200 -5,200 116,000
Change
Cash 7,154 +2,431 9,585
Investments 2,080 +1,831 3,911
Retirement acc 18,712 +2,843 21,555
Real estate 153,000 + 6,000 159,000
Other assets 0 0 0
Total assets 180,946 +13,105 194,051

Mortgage 121,200 -5,200 116,000
Other debt 0 0 0
Total debt 121,200 -5,200 116,000
Change
Cash 3,966 +5,619 9,585
Investments 200 +3,711 3,911
Retirement acc 15,189 +6,366 21,555
Real estate 147,000 + 12,000 159,000
Other assets 0 0 0
Total assets 166,355 +27,696 194,051

Mortgage 126,460 -10,460 116,000
Other debt 0 0 0
Total debt 126,460 -10,460 116,000

I am now 3.5% on my way to achive my FIRE target of GBP 1,000,000. This is 0.7 percentage points closer, compared to the last net worth update.

GBP 35,051 FIRE target: GBP 1,000,000


3.5%

FI portfolio

My FI portfolio now consists of GBP 3,911 (11.2%) in investments, GBP 21,555 (61.5%) in retirement accounts, and GBP 9,585 (27.3%) in cash.

Investments

Since my last update, my investments increased with GBP 1,831 (88.03%), 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 2,843 (15.19%), 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 116 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
116/month
(4.0% SWR)
102/month
(3.5% SWR)
87/month
(3.0% SWR)


When can I retire?

FI date

My age

58

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 1 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another GBP 493,656, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 471,293


Financial independence forecast