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Net worth update per


This is TwentyTurtles's #18 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 281,315 and my FI portfolio decreased to GBP 415,254


Net worth

GBP 281,315

Since the last update on my net worth has decreased with GBP -4,034 ( -1.41 %).

FI portfolio

GBP 415,254

Since the last update on my FI portfolio has decreased with GBP -5,565 ( -1.32 %).

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 26,630 +6,370 33,000
Investments 249,073 -3,972 245,101
Retirement acc 145,116 -7,963 137,153
Real estate 280,200 + 800 281,000
Other assets 4,803 0 4,803
Total assets 705,822 -4,765 701,057

Mortgage 420,473 -731 419,742
Other debt 0 0 0
Total debt 420,473 -731 419,742
Change
Cash 307,000 -274,000 33,000
Investments 220,000 +25,101 245,101
Retirement acc 134,000 +3,153 137,153
Real estate 0 + 281,000 281,000
Other assets 4,800 + 3 4,803
Total assets 665,800 +35,257 701,057

Mortgage 0 419,742 419,742
Other debt 0 0 0
Total debt 0 419,742 419,742
Change
Cash 97,966 -64,966 33,000
Investments 330,217 -85,116 245,101
Retirement acc 65,100 +72,053 137,153
Real estate 0 + 281,000 281,000
Other assets 0 + 4,803 4,803
Total assets 493,283 +207,774 701,057

Mortgage 0 419,742 419,742
Other debt 0 0 0
Total debt 0 + 419,742 419,742

I am now 29.7% on my way to achive my FIRE target of GBP 1,400,000. This is -0.4 percentage points closer, compared to the last net worth update.

GBP 415,254 FIRE target: GBP 1,400,000


29.7%

FI portfolio

My FI portfolio now consists of GBP 245,101 (59.0%) in investments, GBP 137,153 (33.0%) in retirement accounts, and GBP 33,000 (7.9%) in cash.

Investments

Since my last update, my investments decreased with GBP -3,972 (-1.59%), of which GBP 60,083 was from contributions, and GBP 165,235 was from returns.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -7,963 (-5.49%), of which GBP 39,390 was from contributions , and GBP 95,129 was from returns.

Since I started tracking, my total contributions have been GBP 68,824, and my total return is GBP 110,595.




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

If I quit working today, my monthly pay out would be GBP 1,384 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,384/month
(4.0% SWR)
1,211/month
(3.5% SWR)
1,038/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 6 years and 7 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another GBP 381,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 603,746


Financial independence forecast