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Net worth update per


This is lazywhippet's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 93,658 and my FI portfolio increased to GBP 11,445


Net worth

GBP 93,658

Since the last update on my net worth has increased with GBP 1,358 (+ 1.47 %).

FI portfolio

GBP 11,445

Since the last update on my FI portfolio has increased with GBP 2,145 (+ 23.06 %).

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 0 0 0
Investments 3,200 +1,895 5,095
Retirement acc 6,100 +250 6,350
Real estate 500,000 0 500,000
Other assets 0 0 0
Total assets 509,300 +2,145 511,445

Mortgage 397,000 -142 396,858
Other debt 20,000 + 929 20,929
Total debt 417,000 + 787 417,787
Change
Cash 0 0 0
Investments 1,666 +3,429 5,095
Retirement acc 6,000 +350 6,350
Real estate 500,000 0 500,000
Other assets 0 0 0
Total assets 507,666 +3,779 511,445

Mortgage 400,000 -3,142 396,858
Other debt 20,000 + 929 20,929
Total debt 420,000 + -2,213 417,787
Change
Cash 0 0 0
Investments 1,666 +3,429 5,095
Retirement acc 6,000 +350 6,350
Real estate 500,000 0 500,000
Other assets 0 0 0
Total assets 507,666 +3,779 511,445

Mortgage 400,000 -3,142 396,858
Other debt 20,000 + 929 20,929
Total debt 420,000 -2,213 417,787

I am now 0.9% on my way to achive my FIRE target of GBP 1,300,000. This is 0.2 percentage points closer, compared to the last net worth update.

GBP 11,445 FIRE target: GBP 1,300,000


0.9%

FI portfolio

My FI portfolio now consists of GBP 5,095 (44.5%) in investments, GBP 6,350 (55.5%) in retirement accounts, and GBP 0 (0.0%) in cash.

Investments

Since my last update, my investments increased with GBP 1,895 (59.22%), of which GBP 1,800 was from contributions, and GBP 470 was from returns.

Since I started tracking, my total contributions have been GBP 13,462, and my total return has been GBP 2,349.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 250 (4.1%).

Since I started tracking, my total contributions have been GBP 0, and my total return is GBP 1,154.




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

If I quit working today, my monthly pay out would be GBP 38 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
38/month
(4.0% SWR)
33/month
(3.5% SWR)
28/month
(3.0% SWR)


When can I retire?

FI date

My age

54

I am currently aiming to save/invest approximately GBP 1,666 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,300,000 in 16 years and 8 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another GBP 393,176, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 895,379


Financial independence forecast