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Net worth update per


This is sincerePretzels6's #5 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 191,445 and my FI portfolio increased to GBP 60,389


Net worth

GBP 191,445

Since the last update on my net worth has increased with GBP 30,448 (+ 18.91 %).

FI portfolio

GBP 60,389

Since the last update on my FI portfolio has increased with GBP 14,335 (+ 31.13 %).

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 1,109 +3,945 5,054
Retirement acc 39,945 +10,390 50,335
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 346,054 +14,335 360,389

Mortgage 185,057 -16,113 168,944
Other debt 0 0 0
Total debt 185,057 -16,113 168,944
Change
Cash 5,000 0 5,000
Investments 1,109 +3,945 5,054
Retirement acc 39,945 +10,390 50,335
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 346,054 +14,335 360,389

Mortgage 185,057 -16,113 168,944
Other debt 0 0 0
Total debt 185,057 -16,113 168,944
Change
Cash 5,000 0 5,000
Investments 0 +5,054 5,054
Retirement acc 29,440 +20,895 50,335
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 334,440 +25,949 360,389

Mortgage 186,687 -17,743 168,944
Other debt 0 0 0
Total debt 186,687 -17,743 168,944

I am now 6.0% 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 60,389 FIRE target: GBP 1,000,000


6.0%

FI portfolio

My FI portfolio now consists of GBP 5,054 (8.4%) in investments, GBP 50,335 (83.4%) in retirement accounts, and GBP 5,000 (8.3%) in cash.

Investments

Since my last update, my investments increased with GBP 3,945 (355.73%), 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 10,390 (26.01%), 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 201 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
201/month
(4.0% SWR)
176/month
(3.5% SWR)
150/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 21 years and 6 months, in , and at that time I will be 57 years old.

By that time I will have invested/saved another GBP 379,200, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 560,411


Financial independence forecast