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Net worth update per


This is lazywhippet's #7 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 104,992 and my FI portfolio increased to GBP 19,537


Net worth

GBP 104,992

Since the last update on my net worth has increased with GBP 1,116 (+ 1.07 %).

FI portfolio

GBP 19,537

Since the last update on my FI portfolio has increased with GBP 2,451 (+ 14.35 %).

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 0 +93 93
Investments 10,395 +2,183 12,578
Retirement acc 6,691 +175 6,866
Real estate 500,000 0 500,000
Other assets 0 0 0
Total assets 517,086 +2,451 519,537

Mortgage 394,237 -539 393,698
Other debt 18,973 + 1,874 20,847
Total debt 413,210 + 1,335 414,545
Change
Cash 0 +93 93
Investments 1,666 +10,912 12,578
Retirement acc 6,000 +866 6,866
Real estate 500,000 0 500,000
Other assets 0 0 0
Total assets 507,666 +11,871 519,537

Mortgage 400,000 -6,302 393,698
Other debt 20,000 + 847 20,847
Total debt 420,000 + -5,455 414,545
Change
Cash 0 +93 93
Investments 1,666 +10,912 12,578
Retirement acc 6,000 +866 6,866
Real estate 500,000 0 500,000
Other assets 0 0 0
Total assets 507,666 +11,871 519,537

Mortgage 400,000 -6,302 393,698
Other debt 20,000 + 847 20,847
Total debt 420,000 -5,455 414,545

I am now 1.5% on my way to achive my FIRE target of GBP 1,300,000. This is 0.2 percentage points closer, compared to the last net worth update.

GBP 19,537 FIRE target: GBP 1,300,000


1.5%

FI portfolio

My FI portfolio now consists of GBP 12,578 (64.4%) in investments, GBP 6,866 (35.1%) in retirement accounts, and GBP 93 (0.5%) in cash.

Investments

Since my last update, my investments increased with GBP 2,183 (21.0%), of which GBP 1,800 was from contributions, and GBP 470 was from returns.

Since I started tracking, my total contributions have been GBP 13,462, and my total return has been GBP 2,349.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 175 (2.62%).

Since I started tracking, my total contributions have been GBP 0, and my total return is GBP 1,154.




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

If I quit working today, my monthly pay out would be GBP 65 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
65/month
(4.0% SWR)
56/month
(3.5% SWR)
48/month
(3.0% SWR)


When can I retire?

FI date

My age

54

I am currently aiming to save/invest approximately GBP 1,666 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,300,000 in 16 years and 7 months, in , and at that time I will be 54 years old.

By that time I will have invested/saved another GBP 384,846, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 895,617


Financial independence forecast