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Net worth update per


This is TheShidoshi's #9 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 242,169 and my FI portfolio decreased to GBP 242,169


Net worth

GBP 242,169

Since the last update on my net worth has decreased with GBP -3,382 ( -1.38 %).

FI portfolio

GBP 242,169

Since the last update on my FI portfolio has decreased with GBP -3,482 ( -1.42 %).

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 92,551 +5,232 97,783
Investments 91,923 -6,221 85,702
Retirement acc 61,177 -2,493 58,684
Real estate 0 0 0
Other assets 0 0 0
Total assets 245,651 -3,482 242,169

Mortgage 0 0 0
Other debt 100 -100 0
Total debt 100 -100 0
Change
Cash 84,049 +13,734 97,783
Investments 84,285 +1,417 85,702
Retirement acc 53,525 +5,159 58,684
Real estate 0 0 0
Other assets 0 0 0
Total assets 221,859 +20,310 242,169

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 71,211 +26,572 97,783
Investments 57,708 +27,994 85,702
Retirement acc 36,904 +21,780 58,684
Real estate 0 0 0
Other assets 0 0 0
Total assets 165,823 +76,346 242,169

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

I am now 24.2% on my way to achive my FIRE target of GBP 1,000,000. This is -0.3 percentage points closer, compared to the last net worth update.

GBP 242,169 FIRE target: GBP 1,000,000


24.2%

FI portfolio

My FI portfolio now consists of GBP 85,702 (35.4%) in investments, GBP 58,684 (24.2%) in retirement accounts, and GBP 97,783 (40.4%) in cash.

Investments

Since my last update, my investments decreased with GBP -6,221 (-6.77%).

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 decreased with GBP -2,493 (-4.08%).

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 807 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
807/month
(4.0% SWR)
706/month
(3.5% SWR)
605/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 16 years and 0 months, in , and at that time I will be 61 years old.

By that time I will have invested/saved another GBP 287,500, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 470,331


Financial independence forecast