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Net worth update per


This is chinook's #26 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 379,988 and my FI portfolio increased to GBP 379,988


Net worth

GBP 379,988

Since the last update on my net worth has increased with GBP 5,582 (+ 1.49 %).

FI portfolio

GBP 379,988

Since the last update on my FI portfolio has increased with GBP 5,582 (+ 1.49 %).

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 86,924 +1,323 88,247
Investments 115,273 +630 115,903
Retirement acc 172,209 +3,629 175,838
Real estate 0 0 0
Other assets 0 0 0
Total assets 374,406 +5,582 379,988

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 88,128 +119 88,247
Investments 116,523 -620 115,903
Retirement acc 170,330 +5,508 175,838
Real estate 0 0 0
Other assets 0 0 0
Total assets 374,981 +5,007 379,988

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 100,000 -11,753 88,247
Investments 20,000 +95,903 115,903
Retirement acc 52,800 +123,038 175,838
Real estate 0 0 0
Other assets 0 0 0
Total assets 172,800 +207,188 379,988

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 38.0% on my way to achive my FIRE target of GBP 1,000,000. This is 0.6 percentage points closer, compared to the last net worth update.

GBP 379,988 FIRE target: GBP 1,000,000


38.0%

FI portfolio

My FI portfolio now consists of GBP 115,903 (30.5%) in investments, GBP 175,838 (46.3%) in retirement accounts, and GBP 88,247 (23.2%) in cash.

Investments

Since my last update, my investments increased with GBP 630 (0.55%), of which GBP 100 was from contributions, and GBP -13,738 was from returns.

Since I started tracking, my total contributions have been GBP 157,236, and my total return has been GBP 18,448.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 3,629 (2.11%), of which GBP 3,841 was from contributions , and GBP -38,284 was from returns.

Since I started tracking, my total contributions have been GBP 349,928, and my total return is GBP 158,924.




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

If I quit working today, my monthly pay out would be GBP 1,266 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,266/month
(4.0% SWR)
1,108/month
(3.5% SWR)
949/month
(3.0% SWR)


When can I retire?

FI date

My age

51

I am currently aiming to save/invest approximately GBP 5,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 2 years and 1 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another GBP 390,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 230,012


Financial independence forecast