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Net worth update per


This is TheShidoshi's #8 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 245,551 and my FI portfolio increased to GBP 245,651


Net worth

GBP 245,551

Since the last update on my net worth has increased with GBP 9,994 (+ 4.24 %).

FI portfolio

GBP 245,651

Since the last update on my FI portfolio has increased with GBP 10,094 (+ 4.29 %).

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 84,644 +7,907 92,551
Investments 95,146 -3,223 91,923
Retirement acc 55,767 +5,410 61,177
Real estate 0 0 0
Other assets 0 0 0
Total assets 235,557 +10,094 245,651

Mortgage 0 0 0
Other debt 0 + 100 100
Total debt 0 + 100 100
Change
Cash 84,049 +8,502 92,551
Investments 84,285 +7,638 91,923
Retirement acc 53,525 +7,652 61,177
Real estate 0 0 0
Other assets 0 0 0
Total assets 221,859 +23,792 245,651

Mortgage 0 0 0
Other debt 0 + 100 100
Total debt 0 + 100 100
Change
Cash 71,211 +21,340 92,551
Investments 57,708 +34,215 91,923
Retirement acc 36,904 +24,273 61,177
Real estate 0 0 0
Other assets 0 0 0
Total assets 165,823 +79,828 245,651

Mortgage 0 0 0
Other debt 0 + 100 100
Total debt 0 + 100 100

I am now 24.6% on my way to achive my FIRE target of GBP 1,000,000. This is 1.0 percentage points closer, compared to the last net worth update.

GBP 245,651 FIRE target: GBP 1,000,000


24.6%

FI portfolio

My FI portfolio now consists of GBP 91,923 (37.4%) in investments, GBP 61,177 (24.9%) in retirement accounts, and GBP 92,551 (37.7%) in cash.

Investments

Since my last update, my investments decreased with GBP -3,223 (-3.39%).

Since I started tracking, my total contributions have been GBP 2,265, and my total return has been GBP 78,937.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 5,410 (9.7%).

Since I started tracking, my total contributions have been GBP 2,705, and my total return is GBP 71,383.




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

If I quit working today, my monthly pay out would be GBP 818 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
818/month
(4.0% SWR)
716/month
(3.5% SWR)
614/month
(3.0% SWR)


When can I retire?

FI date

My age

61

I am currently aiming to save/invest approximately GBP 1,250 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 15 years and 8 months, in , and at that time I will be 61 years old.

By that time I will have invested/saved another GBP 283,750, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 470,599


Financial independence forecast