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Net worth update per


This is cybernaut's #21 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 778,320 and my FI portfolio increased to GBP 519,900


Net worth

GBP 778,320

Since the last update on my net worth has increased with GBP 13,180 (+ 1.72 %).

FI portfolio

GBP 519,900

Since the last update on my FI portfolio has increased with GBP 12,900 (+ 2.54 %).

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 6,000 0 6,000
Investments 148,700 +3,300 152,000
Retirement acc 352,300 +9,600 361,900
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 787,000 +12,900 799,900

Mortgage 21,860 -280 21,580
Other debt 0 0 0
Total debt 21,860 -280 21,580
Change
Cash 6,000 0 6,000
Investments 124,500 +27,500 152,000
Retirement acc 336,100 +25,800 361,900
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 746,600 +53,300 799,900

Mortgage 23,000 -1,420 21,580
Other debt 0 0 0
Total debt 23,000 -1,420 21,580
Change
Cash 6,000 0 6,000
Investments 89,000 +63,000 152,000
Retirement acc 283,000 +78,900 361,900
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 658,000 +141,900 799,900

Mortgage 27,000 -5,420 21,580
Other debt 0 0 0
Total debt 27,000 -5,420 21,580

I am now 29.7% on my way to achive my FIRE target of GBP 1,750,000. This is 0.7 percentage points closer, compared to the last net worth update.

GBP 519,900 FIRE target: GBP 1,750,000


29.7%

FI portfolio

My FI portfolio now consists of GBP 152,000 (29.2%) in investments, GBP 361,900 (69.6%) in retirement accounts, and GBP 6,000 (1.2%) in cash.

Investments

Since my last update, my investments increased with GBP 3,300 (2.22%), of which GBP 100 was from contributions, and GBP 6,470 was from returns.

Since I started tracking, my total contributions have been GBP 141,300, and my total return has been GBP 37,960.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 9,600 (2.72%), of which GBP 3,477 was from contributions , and GBP 13,123 was from returns.

Since I started tracking, my total contributions have been GBP 137,573, and my total return is GBP 159,027.




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

If I quit working today, my monthly pay out would be GBP 1,733 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,733/month
(4.0% SWR)
1,516/month
(3.5% SWR)
1,299/month
(3.0% SWR)


When can I retire?

FI date

My age

52

I am currently aiming to save/invest approximately GBP 3,470 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,750,000 in 4 years and 0 months, in , and at that time I will be 52 years old.

By that time I will have invested/saved another GBP 353,940, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 876,160


Financial independence forecast