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Net worth update per


This is crazy's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 499,750 and my FI portfolio increased to GBP 375,500


Net worth

GBP 499,750

Since the last update on my net worth has increased with GBP 17,500 (+ 3.63 %).

FI portfolio

GBP 375,500

Since the last update on my FI portfolio has increased with GBP 15,500 (+ 4.31 %).

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 280,000 +11,000 291,000
Investments 53,000 +2,000 55,000
Retirement acc 27,000 +2,500 29,500
Real estate 201,250 0 201,250
Other assets 22,000 0 22,000
Total assets 583,250 +15,500 598,750

Mortgage 101,000 -2,000 99,000
Other debt 0 0 0
Total debt 101,000 -2,000 99,000
Change
Cash 166,535 +124,465 291,000
Investments 40,000 +15,000 55,000
Retirement acc 14,000 +15,500 29,500
Real estate 177,375 + 23,875 201,250
Other assets 25,000 -3,000 22,000
Total assets 422,910 +175,840 598,750

Mortgage 117,000 -18,000 99,000
Other debt 0 0 0
Total debt 117,000 -18,000 99,000
Change
Cash 70,000 +221,000 291,000
Investments 0 +55,000 55,000
Retirement acc 4,000 +25,500 29,500
Real estate 161,250 + 40,000 201,250
Other assets 0 + 22,000 22,000
Total assets 235,250 +363,500 598,750

Mortgage 137,250 -38,250 99,000
Other debt 0 0 0
Total debt 137,250 -38,250 99,000

I am now 19.9% on my way to achive my FIRE target of GBP 1,888,888. This is 0.8 percentage points closer, compared to the last net worth update.

GBP 375,500 FIRE target: GBP 1,888,888


19.9%

FI portfolio

My FI portfolio now consists of GBP 55,000 (14.6%) in investments, GBP 29,500 (7.9%) in retirement accounts, and GBP 291,000 (77.5%) in cash.

Investments

Since my last update, my investments increased with GBP 2,000 (3.77%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 2,500 (9.26%).




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

If I quit working today, my monthly pay out would be GBP 1,251 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,251/month
(4.0% SWR)
1,095/month
(3.5% SWR)
938/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 18 years and 0 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another GBP 655,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 858,388


Financial independence forecast