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Net worth update per


This is Keepitreal's #16 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 1,012,900 and my FI portfolio increased to GBP 436,600


Net worth

GBP 1,012,900

Since the last update on my net worth has increased with GBP 5,800 (+ 0.58 %).

FI portfolio

GBP 436,600

Since the last update on my FI portfolio has increased with GBP 5,800 (+ 1.35 %).

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 58,000 -5,000 53,000
Investments 95,800 +2,800 98,600
Retirement acc 277,000 +8,000 285,000
Real estate 1,360,000 0 1,360,000
Other assets 150,000 0 150,000
Total assets 1,940,800 +5,800 1,946,600

Mortgage 933,700 0 933,700
Other debt 0 0 0
Total debt 933,700 0 933,700
Change
Cash 32,000 +21,000 53,000
Investments 71,222 +27,378 98,600
Retirement acc 264,150 +20,850 285,000
Real estate 1,360,000 0 1,360,000
Other assets 140,000 + 10,000 150,000
Total assets 1,867,372 +79,228 1,946,600

Mortgage 940,000 -6,300 933,700
Other debt 0 0 0
Total debt 940,000 -6,300 933,700
Change
Cash 10,000 +43,000 53,000
Investments 0 +98,600 98,600
Retirement acc 200,000 +85,000 285,000
Real estate 1,230,000 + 130,000 1,360,000
Other assets 110,000 + 40,000 150,000
Total assets 1,550,000 +396,600 1,946,600

Mortgage 996,000 -62,300 933,700
Other debt 0 0 0
Total debt 996,000 -62,300 933,700

I am now 21.8% on my way to achive my FIRE target of GBP 2,000,000. This is 0.3 percentage points closer, compared to the last net worth update.

GBP 436,600 FIRE target: GBP 2,000,000


21.8%

FI portfolio

My FI portfolio now consists of GBP 98,600 (22.6%) in investments, GBP 285,000 (65.3%) in retirement accounts, and GBP 53,000 (12.1%) in cash.

Investments

Since my last update, my investments increased with GBP 2,800 (2.92%).

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 8,000 (2.89%).

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 1,455 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,455/month
(4.0% SWR)
1,273/month
(3.5% SWR)
1,091/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 9 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another GBP 826,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 737,400


Financial independence forecast