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Net worth update per


This is Keepitreal's #12 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 946,000 and my FI portfolio increased to GBP 386,000


Net worth

GBP 946,000

Since the last update on my net worth has increased with GBP 18,628 (+ 2.01 %).

FI portfolio

GBP 386,000

Since the last update on my FI portfolio has increased with GBP 18,628 (+ 5.07 %).

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 32,000 -2,000 30,000
Investments 71,222 +4,778 76,000
Retirement acc 264,150 +15,850 280,000
Real estate 1,360,000 -11,000 1,349,000
Other assets 140,000 + 10,000 150,000
Total assets 1,867,372 +17,628 1,885,000

Mortgage 940,000 -1,000 939,000
Other debt 0 0 0
Total debt 940,000 -1,000 939,000
Change
Cash 32,000 -2,000 30,000
Investments 71,222 +4,778 76,000
Retirement acc 264,150 +15,850 280,000
Real estate 1,360,000 -11,000 1,349,000
Other assets 140,000 + 10,000 150,000
Total assets 1,867,372 +17,628 1,885,000

Mortgage 940,000 -1,000 939,000
Other debt 0 0 0
Total debt 940,000 -1,000 939,000
Change
Cash 10,000 +20,000 30,000
Investments 0 +76,000 76,000
Retirement acc 200,000 +80,000 280,000
Real estate 1,230,000 + 119,000 1,349,000
Other assets 110,000 + 40,000 150,000
Total assets 1,550,000 +335,000 1,885,000

Mortgage 996,000 -57,000 939,000
Other debt 0 0 0
Total debt 996,000 -57,000 939,000

I am now 19.3% on my way to achive my FIRE target of GBP 2,000,000. This is 0.9 percentage points closer, compared to the last net worth update.

GBP 386,000 FIRE target: GBP 2,000,000


19.3%

FI portfolio

My FI portfolio now consists of GBP 76,000 (19.7%) in investments, GBP 280,000 (72.5%) in retirement accounts, and GBP 30,000 (7.8%) in cash.

Investments

Since my last update, my investments increased with GBP 4,778 (6.71%).

Since I started tracking, my total contributions have been GBP 20,000, and my total return has been GBP 146,500.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 15,850 (6.0%).

Since I started tracking, my total contributions have been GBP 4,000, and my total return is GBP 174,000.




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

If I quit working today, my monthly pay out would be GBP 1,286 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,286/month
(4.0% SWR)
1,125/month
(3.5% SWR)
965/month
(3.0% SWR)


When can I retire?

FI date

My age

49

I am currently aiming to save/invest approximately GBP 7,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 2,000,000 in 5 years and 10 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another GBP 854,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 760,000


Financial independence forecast