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This is theflairbunny's #28 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 215,288 and my FI portfolio increased to GBP 224,975


Net worth

GBP 215,288

Since the last update on my net worth has increased with GBP 9,859 (+ 4.8 %).

FI portfolio

GBP 224,975

Since the last update on my FI portfolio has increased with GBP 9,859 (+ 4.58 %).

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 49,189 -5,587 43,602
Investments 108,946 +14,037 122,983
Retirement acc 56,981 +1,409 58,390
Real estate 0 0 0
Other assets 0 0 0
Total assets 215,116 +9,859 224,975

Mortgage 0 0 0
Other debt 9,687 0 9,687
Total debt 9,687 0 9,687
Change
Cash 29,409 +14,193 43,602
Investments 85,194 +37,789 122,983
Retirement acc 43,277 +15,113 58,390
Real estate 0 0 0
Other assets 0 0 0
Total assets 157,880 +67,095 224,975

Mortgage 0 0 0
Other debt 9,687 0 9,687
Total debt 9,687 0 9,687
Change
Cash 2,082 +41,520 43,602
Investments 3,137 +119,846 122,983
Retirement acc 7,160 +51,230 58,390
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +212,596 224,975

Mortgage 0 0 0
Other debt 15,575 -5,888 9,687
Total debt 15,575 -5,888 9,687

I am now 37.5% on my way to achive my FIRE target of GBP 600,000. This is 1.6 percentage points closer, compared to the last net worth update.

GBP 224,975 FIRE target: GBP 600,000


37.5%

FI portfolio

My FI portfolio now consists of GBP 122,983 (54.7%) in investments, GBP 58,390 (26.0%) in retirement accounts, and GBP 43,602 (19.4%) in cash.

Investments

Since my last update, my investments increased with GBP 14,037 (12.88%), of which GBP 20,000 was from contributions, and GBP -51,078 was from returns.

Since I started tracking, my total contributions have been GBP 265,377, and my total return has been GBP 56,874.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 1,409 (2.47%).

Since I started tracking, my total contributions have been GBP 106,397, and my total return is GBP 17,192.




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

If I quit working today, my monthly pay out would be GBP 749 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
749/month
(4.0% SWR)
656/month
(3.5% SWR)
562/month
(3.0% SWR)


When can I retire?

FI date

My age

33

I am currently aiming to save/invest approximately GBP 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 600,000 in 0 years and 0 months, in , and at that time I will be 33 years old.

By that time I will have invested/saved another GBP 276,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 99,025


Financial independence forecast