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Net worth update per


This is Beetywelk's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 92,730 and my FI portfolio decreased to GBP 58,118


Net worth

GBP 92,730

Since the last update on my net worth has increased with GBP 331 (+ 0.36 %).

FI portfolio

GBP 58,118

Since the last update on my FI portfolio has decreased with GBP -585 ( -1.0 %).

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 16,291 -2,742 13,549
Investments 22,453 +1,445 23,898
Retirement acc 19,959 +712 20,671
Real estate 136,129 0 136,129
Other assets 0 0 0
Total assets 194,832 -585 194,247

Mortgage 87,818 -368 87,450
Other debt 14,615 -548 14,067
Total debt 102,433 -916 101,517
Change
Cash 8,086 +5,463 13,549
Investments 20,500 +3,398 23,898
Retirement acc 19,250 +1,421 20,671
Real estate 136,129 0 136,129
Other assets 8,750 -8,750 0
Total assets 192,715 +1,532 194,247

Mortgage 88,180 -730 87,450
Other debt 15,000 -933 14,067
Total debt 103,180 -1,663 101,517
Change
Cash 8,086 +5,463 13,549
Investments 20,500 +3,398 23,898
Retirement acc 19,250 +1,421 20,671
Real estate 136,129 0 136,129
Other assets 8,750 -8,750 0
Total assets 192,715 +1,532 194,247

Mortgage 88,180 -730 87,450
Other debt 15,000 -933 14,067
Total debt 103,180 -1,663 101,517

I am now 11.6% on my way to achive my FIRE target of GBP 500,000. This is -0.1 percentage points closer, compared to the last net worth update.

GBP 58,118 FIRE target: GBP 500,000


11.6%

FI portfolio

My FI portfolio now consists of GBP 23,898 (41.1%) in investments, GBP 20,671 (35.6%) in retirement accounts, and GBP 13,549 (23.3%) in cash.

Investments

Since my last update, my investments increased with GBP 1,445 (6.44%), 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 712 (3.57%), 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 193 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
193/month
(4.0% SWR)
169/month
(3.5% SWR)
145/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 9 years and 0 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 231,237


Financial independence forecast