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Net worth update per


This is crazy's #3 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 482,250 and my FI portfolio increased to GBP 360,000


Net worth

GBP 482,250

Since the last update on my net worth has increased with GBP 176,340 (+ 57.64 %).

FI portfolio

GBP 360,000

Since the last update on my FI portfolio has increased with GBP 139,465 (+ 63.24 %).

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 166,535 +113,465 280,000
Investments 40,000 +13,000 53,000
Retirement acc 14,000 +13,000 27,000
Real estate 177,375 + 23,875 201,250
Other assets 25,000 -3,000 22,000
Total assets 422,910 +160,340 583,250

Mortgage 117,000 -16,000 101,000
Other debt 0 0 0
Total debt 117,000 -16,000 101,000
Change
Cash 166,535 +113,465 280,000
Investments 40,000 +13,000 53,000
Retirement acc 14,000 +13,000 27,000
Real estate 177,375 + 23,875 201,250
Other assets 25,000 -3,000 22,000
Total assets 422,910 +160,340 583,250

Mortgage 117,000 -16,000 101,000
Other debt 0 0 0
Total debt 117,000 -16,000 101,000
Change
Cash 70,000 +210,000 280,000
Investments 0 +53,000 53,000
Retirement acc 4,000 +23,000 27,000
Real estate 161,250 + 40,000 201,250
Other assets 0 + 22,000 22,000
Total assets 235,250 +348,000 583,250

Mortgage 137,250 -36,250 101,000
Other debt 0 0 0
Total debt 137,250 -36,250 101,000

I am now 19.1% on my way to achive my FIRE target of GBP 1,888,888. This is 7.4 percentage points closer, compared to the last net worth update.

GBP 360,000 FIRE target: GBP 1,888,888


19.1%

FI portfolio

My FI portfolio now consists of GBP 53,000 (14.7%) in investments, GBP 27,000 (7.5%) in retirement accounts, and GBP 280,000 (77.8%) in cash.

Investments

Since my last update, my investments increased with GBP 13,000 (32.5%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 13,000 (92.86%).




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

If I quit working today, my monthly pay out would be GBP 1,200 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,200/month
(4.0% SWR)
1,050/month
(3.5% SWR)
900/month
(3.0% SWR)


When can I retire?

FI date

My age

47

I am currently aiming to save/invest approximately GBP 2,500 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,888,888 in 19 years and 3 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another GBP 665,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 863,888


Financial independence forecast