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Net worth update per September 30th 2021


This is _o_'s #93 net worth update. Please check out my profile here for more information. As of September 30th 2021, my net worth increased to GBP 78,681 and my FI portfolio increased to GBP 26,033


Net worth

GBP 78,681

Since the last update on August 31st 2021 my net worth has increased with GBP 3,078 (+ 4.07 %).

FI portfolio

GBP 26,033

Since the last update on August 31st 2021 my FI portfolio has increased with GBP 1,855 (+ 7.67 %).

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.
31 Aug 21 Change 30 Sep 21
Cash 4,858 +1,076 5,934
Investments 0 0 0
Retirement acc 19,320 +779 20,099
Real estate 130,000 + 1,000 131,000
Other assets 0 0 0
Total assets 154,178 +2,855 157,033

Mortgage 78,575 -223 78,352
Other debt 0 0 0
Total debt 78,575 -223 78,352
31 Dec 20 Change 30 Sep 21
Cash 3,778 +2,156 5,934
Investments 0 0 0
Retirement acc 8,000 +12,099 20,099
Real estate 117,894 + 13,106 131,000
Other assets 0 0 0
Total assets 129,672 +27,361 157,033

Mortgage 80,363 -2,011 78,352
Other debt 0 0 0
Total debt 80,363 -2,011 78,352
31 Jan 14 Change 30 Sep 21
Cash 83 +5,851 5,934
Investments 0 0 0
Retirement acc 0 +20,099 20,099
Real estate 0 + 131,000 131,000
Other assets 0 0 0
Total assets 83 +156,950 157,033

Mortgage 0 78,352 78,352
Other debt 0 0 0
Total debt 0 + 78,352 78,352

I am now 2.1% on my way to achive my FIRE target of GBP 1,260,000. This is 0.1 percentage points closer, compared to the last net worth update.

GBP 26,033 FIRE target: GBP 1,260,000


2.1%

FI portfolio

My FI portfolio now consists of GBP 20,099 (77.2%) in retirement accounts, and GBP 5,934 (22.8%) in cash.

Investments

Since my last update, my investments decreased with GBP 0 (0%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 779 (4.03%).




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

If I quit working today, my monthly pay out would be GBP 86 for the rest of my life.


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


When can I retire?

FI date

March 2040

My age

42

I am currently aiming to save/invest approximately GBP 2,600 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,260,000 in 14 years and 10 months, in March 2040, and at that time I will be 42 years old.

By that time I will have invested/saved another GBP 577,200, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 656,767


Financial independence forecast