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Net worth update per


This is crazy's #5 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 532,166 and my FI portfolio increased to GBP 402,666


Net worth

GBP 532,166

Since the last update on my net worth has increased with GBP 32,416 (+ 6.49 %).

FI portfolio

GBP 402,666

Since the last update on my FI portfolio has increased with GBP 27,166 (+ 7.23 %).

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 291,000 +26,000 317,000
Investments 55,000 +333 55,333
Retirement acc 29,500 +833 30,333
Real estate 201,250 + 6,250 207,500
Other assets 22,000 -2,000 20,000
Total assets 598,750 +31,416 630,166

Mortgage 99,000 -1,000 98,000
Other debt 0 0 0
Total debt 99,000 -1,000 98,000
Change
Cash 166,535 +150,465 317,000
Investments 40,000 +15,333 55,333
Retirement acc 14,000 +16,333 30,333
Real estate 177,375 + 30,125 207,500
Other assets 25,000 -5,000 20,000
Total assets 422,910 +207,256 630,166

Mortgage 117,000 -19,000 98,000
Other debt 0 0 0
Total debt 117,000 -19,000 98,000
Change
Cash 70,000 +247,000 317,000
Investments 0 +55,333 55,333
Retirement acc 4,000 +26,333 30,333
Real estate 161,250 + 46,250 207,500
Other assets 0 + 20,000 20,000
Total assets 235,250 +394,916 630,166

Mortgage 137,250 -39,250 98,000
Other debt 0 0 0
Total debt 137,250 -39,250 98,000

I am now 21.3% on my way to achive my FIRE target of GBP 1,888,888. This is 1.4 percentage points closer, compared to the last net worth update.

GBP 402,666 FIRE target: GBP 1,888,888


21.3%

FI portfolio

My FI portfolio now consists of GBP 55,333 (13.7%) in investments, GBP 30,333 (7.5%) in retirement accounts, and GBP 317,000 (78.7%) in cash.

Investments

Since my last update, my investments increased with GBP 333 (0.61%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 833 (2.82%).




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

If I quit working today, my monthly pay out would be GBP 1,342 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,342/month
(4.0% SWR)
1,174/month
(3.5% SWR)
1,006/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 17 years and 10 months, in , and at that time I will be 47 years old.

By that time I will have invested/saved another GBP 645,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 841,222


Financial independence forecast