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Net worth update per


This is cybernaut's #24 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 827,670 and my FI portfolio increased to GBP 568,400


Net worth

GBP 827,670

Since the last update on my net worth has increased with GBP 21,990 (+ 2.73 %).

FI portfolio

GBP 568,400

Since the last update on my FI portfolio has increased with GBP 21,700 (+ 3.97 %).

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 6,000 0 6,000
Investments 160,800 +8,900 169,700
Retirement acc 379,900 +12,800 392,700
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 826,700 +21,700 848,400

Mortgage 21,020 -290 20,730
Other debt 0 0 0
Total debt 21,020 -290 20,730
Change
Cash 6,000 0 6,000
Investments 124,500 +45,200 169,700
Retirement acc 336,100 +56,600 392,700
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 746,600 +101,800 848,400

Mortgage 23,000 -2,270 20,730
Other debt 0 0 0
Total debt 23,000 -2,270 20,730
Change
Cash 6,000 0 6,000
Investments 89,000 +80,700 169,700
Retirement acc 283,000 +109,700 392,700
Real estate 280,000 0 280,000
Other assets 0 0 0
Total assets 658,000 +190,400 848,400

Mortgage 27,000 -6,270 20,730
Other debt 0 0 0
Total debt 27,000 -6,270 20,730

I am now 45.5% on my way to achive my FIRE target of GBP 1,250,000. This is 1.7 percentage points closer, compared to the last net worth update.

GBP 568,400 FIRE target: GBP 1,250,000


45.5%

FI portfolio

My FI portfolio now consists of GBP 169,700 (29.9%) in investments, GBP 392,700 (69.1%) in retirement accounts, and GBP 6,000 (1.1%) in cash.

Investments

Since my last update, my investments increased with GBP 8,900 (5.53%), of which GBP 100 was from contributions, and GBP -6,500 was from returns.

Since I started tracking, my total contributions have been GBP 140,800, and my total return has been GBP 9,200.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 12,800 (3.37%), of which GBP 3,477 was from contributions , and GBP -13,377 was from returns.

Since I started tracking, my total contributions have been GBP 120,188, and my total return is GBP 90,212.




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

If I quit working today, my monthly pay out would be GBP 1,894 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,894/month
(4.0% SWR)
1,657/month
(3.5% SWR)
1,421/month
(3.0% SWR)


When can I retire?

FI date

My age

50

I am currently aiming to save/invest approximately GBP 3,470 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,250,000 in 1 years and 7 months, in , and at that time I will be 50 years old.

By that time I will have invested/saved another GBP 222,080, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 459,520


Financial independence forecast