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Net worth update per


This is cybernaut's #18 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 731,070 and my FI portfolio increased to GBP 473,470


Net worth

GBP 731,070

Since the last update on my net worth has increased with GBP 4,520 (+ 0.62 %).

FI portfolio

GBP 473,470

Since the last update on my FI portfolio has increased with GBP 4,220 (+ 0.9 %).

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 129,150 +5,020 134,170
Retirement acc 334,100 -800 333,300
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 749,250 +4,220 753,470

Mortgage 22,700 -300 22,400
Other debt 0 0 0
Total debt 22,700 -300 22,400
Change
Cash 6,000 0 6,000
Investments 124,500 +9,670 134,170
Retirement acc 336,100 -2,800 333,300
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 746,600 +6,870 753,470

Mortgage 23,000 -600 22,400
Other debt 0 0 0
Total debt 23,000 -600 22,400
Change
Cash 6,000 0 6,000
Investments 89,000 +45,170 134,170
Retirement acc 283,000 +50,300 333,300
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 658,000 +95,470 753,470

Mortgage 27,000 -4,600 22,400
Other debt 0 0 0
Total debt 27,000 -4,600 22,400

I am now 37.9% on my way to achive my FIRE target of GBP 1,250,000. This is 0.3 percentage points closer, compared to the last net worth update.

GBP 473,470 FIRE target: GBP 1,250,000


37.9%

FI portfolio

My FI portfolio now consists of GBP 134,170 (28.3%) in investments, GBP 333,300 (70.4%) in retirement accounts, and GBP 6,000 (1.3%) in cash.

Investments

Since my last update, my investments increased with GBP 5,020 (3.89%), of which GBP 100 was from contributions, and GBP 2,600 was from returns.

Since I started tracking, my total contributions have been GBP 141,000, and my total return has been GBP 22,900.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -800 (-0.24%), of which GBP 3,477 was from contributions , and GBP -2,677 was from returns.

Since I started tracking, my total contributions have been GBP 127,142, and my total return is GBP 113,958.




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

If I quit working today, my monthly pay out would be GBP 1,578 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,578/month
(4.0% SWR)
1,380/month
(3.5% SWR)
1,183/month
(3.0% SWR)


When can I retire?

FI date

My age

50

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 1,250,000 in 1 years and 11 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another GBP 263,720, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 512,810


Financial independence forecast