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Net worth update per


This is TwentyTurtles's #19 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 309,350 and my FI portfolio increased to GBP 441,778


Net worth

GBP 309,350

Since the last update on my net worth has increased with GBP 28,035 (+ 9.97 %).

FI portfolio

GBP 441,778

Since the last update on my FI portfolio has increased with GBP 26,524 (+ 6.39 %).

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 33,000 +230 33,230
Investments 245,101 +6,366 251,467
Retirement acc 137,153 +19,928 157,081
Real estate 281,000 + 746 281,746
Other assets 4,803 0 4,803
Total assets 701,057 +27,270 728,327

Mortgage 419,742 -765 418,977
Other debt 0 0 0
Total debt 419,742 -765 418,977
Change
Cash 307,000 -273,770 33,230
Investments 220,000 +31,467 251,467
Retirement acc 134,000 +23,081 157,081
Real estate 0 + 281,746 281,746
Other assets 4,800 + 3 4,803
Total assets 665,800 +62,527 728,327

Mortgage 0 418,977 418,977
Other debt 0 0 0
Total debt 0 418,977 418,977
Change
Cash 97,966 -64,736 33,230
Investments 330,217 -78,750 251,467
Retirement acc 65,100 +91,981 157,081
Real estate 0 + 281,746 281,746
Other assets 0 + 4,803 4,803
Total assets 493,283 +235,044 728,327

Mortgage 0 418,977 418,977
Other debt 0 0 0
Total debt 0 + 418,977 418,977

I am now 31.6% on my way to achive my FIRE target of GBP 1,400,000. This is 1.9 percentage points closer, compared to the last net worth update.

GBP 441,778 FIRE target: GBP 1,400,000


31.6%

FI portfolio

My FI portfolio now consists of GBP 251,467 (56.9%) in investments, GBP 157,081 (35.6%) in retirement accounts, and GBP 33,230 (7.5%) in cash.

Investments

Since my last update, my investments increased with GBP 6,366 (2.6%), of which GBP 60,083 was from contributions, and GBP 165,235 was from returns.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 19,928 (14.53%), 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 1,472 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,472/month
(4.0% SWR)
1,288/month
(3.5% SWR)
1,104/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 3 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another GBP 366,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 592,222


Financial independence forecast