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Net worth update per


This is theflairbunny's #7 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 45,435 and my FI portfolio increased to GBP 57,909


Net worth

GBP 45,435

Since the last update on my net worth has increased with GBP 6,429 (+ 16.48 %).

FI portfolio

GBP 57,909

Since the last update on my FI portfolio has increased with GBP 6,429 (+ 12.49 %).

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 23,234 +2,866 26,100
Investments 19,627 +3,563 23,190
Retirement acc 8,619 0 8,619
Real estate 0 0 0
Other assets 0 0 0
Total assets 51,480 +6,429 57,909

Mortgage 0 0 0
Other debt 12,474 0 12,474
Total debt 12,474 0 12,474
Change
Cash 2,082 +24,018 26,100
Investments 3,137 +20,053 23,190
Retirement acc 7,160 +1,459 8,619
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +45,530 57,909

Mortgage 0 0 0
Other debt 15,575 -3,101 12,474
Total debt 15,575 -3,101 12,474
Change
Cash 2,082 +24,018 26,100
Investments 3,137 +20,053 23,190
Retirement acc 7,160 +1,459 8,619
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +45,530 57,909

Mortgage 0 0 0
Other debt 15,575 -3,101 12,474
Total debt 15,575 -3,101 12,474

I am now 9.7% on my way to achive my FIRE target of GBP 600,000. This is 1.1 percentage points closer, compared to the last net worth update.

GBP 57,909 FIRE target: GBP 600,000


9.7%

FI portfolio

My FI portfolio now consists of GBP 23,190 (40.0%) in investments, GBP 8,619 (14.9%) in retirement accounts, and GBP 26,100 (45.1%) in cash.

Investments

Since my last update, my investments increased with GBP 3,563 (18.15%), of which GBP 20,000 was from contributions, and GBP -51,078 was from returns.

Since I started tracking, my total contributions have been GBP 265,377, and my total return has been GBP 56,874.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP 0 (0.0%).

Since I started tracking, my total contributions have been GBP 106,397, and my total return is GBP 17,192.




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

If I quit working today, my monthly pay out would be GBP 193 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
193/month
(4.0% SWR)
168/month
(3.5% SWR)
144/month
(3.0% SWR)


When can I retire?

FI date

My age

34

I am currently aiming to save/invest approximately GBP 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 600,000 in 0 years and 4 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another GBP 426,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 116,091


Financial independence forecast