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Net worth update per


This is chinook's #28 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 408,077 and my FI portfolio increased to GBP 408,077


Net worth

GBP 408,077

Since the last update on my net worth has increased with GBP 10,655 (+ 2.68 %).

FI portfolio

GBP 408,077

Since the last update on my FI portfolio has increased with GBP 10,655 (+ 2.68 %).

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 88,233 -231 88,002
Investments 88,377 +2,823 91,200
Retirement acc 220,812 +8,063 228,875
Real estate 0 0 0
Other assets 0 0 0
Total assets 397,422 +10,655 408,077

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 88,128 -126 88,002
Investments 116,523 -25,323 91,200
Retirement acc 170,330 +58,545 228,875
Real estate 0 0 0
Other assets 0 0 0
Total assets 374,981 +33,096 408,077

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 100,000 -11,998 88,002
Investments 20,000 +71,200 91,200
Retirement acc 52,800 +176,075 228,875
Real estate 0 0 0
Other assets 0 0 0
Total assets 172,800 +235,277 408,077

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

I am now 40.8% on my way to achive my FIRE target of GBP 1,000,000. This is 1.1 percentage points closer, compared to the last net worth update.

GBP 408,077 FIRE target: GBP 1,000,000


40.8%

FI portfolio

My FI portfolio now consists of GBP 91,200 (22.3%) in investments, GBP 228,875 (56.1%) in retirement accounts, and GBP 88,002 (21.6%) in cash.

Investments

Since my last update, my investments increased with GBP 2,823 (3.19%).

Since I started tracking, my total contributions have been GBP 136,136, and my total return has been GBP 11,894.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 8,063 (3.65%), of which GBP 6,316 was from contributions , and GBP 14,043 was from returns.

Since I started tracking, my total contributions have been GBP 286,487, and my total return is GBP 144,207.




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

If I quit working today, my monthly pay out would be GBP 1,360 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,360/month
(4.0% SWR)
1,190/month
(3.5% SWR)
1,020/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 3 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 365,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 226,923


Financial independence forecast