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Net worth update per


This is theflairbunny's #22 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 158,224 and my FI portfolio increased to GBP 167,911


Net worth

GBP 158,224

Since the last update on my net worth has increased with GBP 10,031 (+ 6.77 %).

FI portfolio

GBP 167,911

Since the last update on my FI portfolio has increased with GBP 10,031 (+ 6.35 %).

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 29,409 -2,208 27,201
Investments 85,194 +11,746 96,940
Retirement acc 43,277 +493 43,770
Real estate 0 0 0
Other assets 0 0 0
Total assets 157,880 +10,031 167,911

Mortgage 0 0 0
Other debt 9,687 0 9,687
Total debt 9,687 0 9,687
Change
Cash 29,409 -2,208 27,201
Investments 85,194 +11,746 96,940
Retirement acc 43,277 +493 43,770
Real estate 0 0 0
Other assets 0 0 0
Total assets 157,880 +10,031 167,911

Mortgage 0 0 0
Other debt 9,687 0 9,687
Total debt 9,687 0 9,687
Change
Cash 2,082 +25,119 27,201
Investments 3,137 +93,803 96,940
Retirement acc 7,160 +36,610 43,770
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +155,532 167,911

Mortgage 0 0 0
Other debt 15,575 -5,888 9,687
Total debt 15,575 -5,888 9,687

I am now 28.0% on my way to achive my FIRE target of GBP 600,000. This is 1.7 percentage points closer, compared to the last net worth update.

GBP 167,911 FIRE target: GBP 600,000


28.0%

FI portfolio

My FI portfolio now consists of GBP 96,940 (57.7%) in investments, GBP 43,770 (26.1%) in retirement accounts, and GBP 27,201 (16.2%) in cash.

Investments

Since my last update, my investments increased with GBP 11,746 (13.79%), of which GBP 20,000 was from contributions, and GBP -51,078 was from returns.

Since I started tracking, my total contributions have been GBP 265,377, and my total return has been GBP 56,874.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 493 (1.14%).

Since I started tracking, my total contributions have been GBP 106,397, and my total return is GBP 17,192.




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

If I quit working today, my monthly pay out would be GBP 559 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
559/month
(4.0% SWR)
489/month
(3.5% SWR)
419/month
(3.0% SWR)


When can I retire?

FI date

My age

34

I am currently aiming to save/invest approximately GBP 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 600,000 in 0 years and 2 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another GBP 324,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 108,089


Financial independence forecast