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Net worth update per


This is sincerePretzels6's #9 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 205,176 and my FI portfolio increased to GBP 68,706


Net worth

GBP 205,176

Since the last update on my net worth has increased with GBP 7,475 (+ 3.78 %).

FI portfolio

GBP 68,706

Since the last update on my FI portfolio has increased with GBP 4,334 (+ 6.73 %).

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 5,000 0 5,000
Investments 5,952 +81 6,033
Retirement acc 53,420 +4,253 57,673
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 364,372 +4,334 368,706

Mortgage 166,671 -3,141 163,530
Other debt 0 0 0
Total debt 166,671 -3,141 163,530
Change
Cash 5,000 0 5,000
Investments 1,109 +4,924 6,033
Retirement acc 39,945 +17,728 57,673
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 346,054 +22,652 368,706

Mortgage 185,057 -21,527 163,530
Other debt 0 0 0
Total debt 185,057 -21,527 163,530
Change
Cash 5,000 0 5,000
Investments 0 +6,033 6,033
Retirement acc 29,440 +28,233 57,673
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 334,440 +34,266 368,706

Mortgage 186,687 -23,157 163,530
Other debt 0 0 0
Total debt 186,687 -23,157 163,530

I am now 6.9% on my way to achive my FIRE target of GBP 1,000,000. This is 0.4 percentage points closer, compared to the last net worth update.

GBP 68,706 FIRE target: GBP 1,000,000


6.9%

FI portfolio

My FI portfolio now consists of GBP 6,033 (8.8%) in investments, GBP 57,673 (83.9%) in retirement accounts, and GBP 5,000 (7.3%) in cash.

Investments

Since my last update, my investments increased with GBP 81 (1.36%), of which GBP 250 was from contributions, and GBP 257 was from returns.

Since I started tracking, my total contributions have been GBP 1,586, and my total return has been GBP 5,956.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 4,253 (7.96%), of which GBP 2,507 was from contributions , and GBP 1,579 was from returns.

Since I started tracking, my total contributions have been GBP 6,899, and my total return is GBP 27,181.




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

If I quit working today, my monthly pay out would be GBP 229 for the rest of my life.


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


When can I retire?

FI date

My age

57

I am currently aiming to save/invest approximately GBP 1,200 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 22 years and 4 months, in , and at that time I will be 57 years old.

By that time I will have invested/saved another GBP 373,200, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 558,094


Financial independence forecast