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Net worth update per


This is cybernaut's #16 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 723,600 and my FI portfolio increased to GBP 466,600


Net worth

GBP 723,600

Since the last update on my net worth has increased with GBP 12,700 (+ 1.79 %).

FI portfolio

GBP 466,600

Since the last update on my FI portfolio has increased with GBP 12,400 (+ 2.73 %).

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 6,000 0 6,000
Investments 117,000 +7,500 124,500
Retirement acc 331,200 +4,900 336,100
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 734,200 +12,400 746,600

Mortgage 23,300 -300 23,000
Other debt 0 0 0
Total debt 23,300 -300 23,000
Change
Cash 6,000 0 6,000
Investments 96,500 +28,000 124,500
Retirement acc 287,800 +48,300 336,100
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 670,300 +76,300 746,600

Mortgage 26,350 -3,350 23,000
Other debt 0 0 0
Total debt 26,350 -3,350 23,000
Change
Cash 6,000 0 6,000
Investments 89,000 +35,500 124,500
Retirement acc 283,000 +53,100 336,100
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 658,000 +88,600 746,600

Mortgage 27,000 -4,000 23,000
Other debt 0 0 0
Total debt 27,000 -4,000 23,000

I am now 26.7% on my way to achive my FIRE target of GBP 1,750,000. This is 0.7 percentage points closer, compared to the last net worth update.

GBP 466,600 FIRE target: GBP 1,750,000


26.7%

FI portfolio

My FI portfolio now consists of GBP 124,500 (26.7%) in investments, GBP 336,100 (72.0%) in retirement accounts, and GBP 6,000 (1.3%) in cash.

Investments

Since my last update, my investments increased with GBP 7,500 (6.41%), of which GBP 100 was from contributions, and GBP 5,950 was from returns.

Since I started tracking, my total contributions have been GBP 141,400, and my total return has been GBP 43,910.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 4,900 (1.48%), of which GBP 3,477 was from contributions , and GBP 15,923 was from returns.

Since I started tracking, my total contributions have been GBP 141,050, and my total return is GBP 174,950.




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

If I quit working today, my monthly pay out would be GBP 1,555 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,555/month
(4.0% SWR)
1,360/month
(3.5% SWR)
1,166/month
(3.0% SWR)


When can I retire?

FI date

My age

53

I am currently aiming to save/invest approximately GBP 3,470 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,750,000 in 4 years and 2 months, in , and at that time I will be 53 years old.

By that time I will have invested/saved another GBP 378,230, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 905,170


Financial independence forecast