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Net worth update per


This is TwentyTurtles's #16 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 254,781 and my FI portfolio decreased to GBP 389,978


Net worth

GBP 254,781

Since the last update on my net worth has decreased with GBP -424,893 ( -62.51 %).

FI portfolio

GBP 389,978

Since the last update on my FI portfolio has decreased with GBP -284,893 ( -42.21 %).

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 315,686 -287,658 28,028
Investments 221,254 +9,669 230,923
Retirement acc 137,931 -6,904 131,027
Real estate 0 + 280,000 280,000
Other assets 4,803 0 4,803
Total assets 679,674 -4,893 674,781

Mortgage 0 420,000 420,000
Other debt 0 0 0
Total debt 0 420,000 420,000
Change
Cash 307,000 -278,972 28,028
Investments 220,000 +10,923 230,923
Retirement acc 134,000 -2,973 131,027
Real estate 0 + 280,000 280,000
Other assets 4,800 + 3 4,803
Total assets 665,800 +8,981 674,781

Mortgage 0 420,000 420,000
Other debt 0 0 0
Total debt 0 420,000 420,000
Change
Cash 97,966 -69,938 28,028
Investments 330,217 -99,294 230,923
Retirement acc 65,100 +65,927 131,027
Real estate 0 + 280,000 280,000
Other assets 0 + 4,803 4,803
Total assets 493,283 +181,498 674,781

Mortgage 0 420,000 420,000
Other debt 0 0 0
Total debt 0 + 420,000 420,000

I am now 27.9% on my way to achive my FIRE target of GBP 1,400,000. This is -20.3 percentage points closer, compared to the last net worth update.

GBP 389,978 FIRE target: GBP 1,400,000


27.9%

FI portfolio

My FI portfolio now consists of GBP 230,923 (59.2%) in investments, GBP 131,027 (33.6%) in retirement accounts, and GBP 28,028 (7.2%) in cash.

Investments

Since my last update, my investments increased with GBP 9,669 (4.37%).

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -6,904 (-5.01%).

Since I started tracking, my total contributions have been GBP 29,434, and my total return is GBP 15,466.




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

If I quit working today, my monthly pay out would be GBP 1,299 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,299/month
(4.0% SWR)
1,137/month
(3.5% SWR)
974/month
(3.0% SWR)


When can I retire?

FI date

My age

41

I am currently aiming to save/invest approximately GBP 3,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,400,000 in 7 years and 10 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another GBP 393,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 617,022


Financial independence forecast