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This is chinook's #34 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 476,786 and my FI portfolio increased to GBP 476,786


Net worth

GBP 476,786

Since the last update on my net worth has increased with GBP 15,952 (+ 3.46 %).

FI portfolio

GBP 476,786

Since the last update on my FI portfolio has increased with GBP 15,952 (+ 3.46 %).

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 89,776 -444 89,332
Investments 117,643 +5,165 122,808
Retirement acc 253,415 +11,231 264,646
Real estate 0 0 0
Other assets 0 0 0
Total assets 460,834 +15,952 476,786

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 88,128 +1,204 89,332
Investments 116,523 +6,285 122,808
Retirement acc 170,330 +94,316 264,646
Real estate 0 0 0
Other assets 0 0 0
Total assets 374,981 +101,805 476,786

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 100,000 -10,668 89,332
Investments 20,000 +102,808 122,808
Retirement acc 52,800 +211,846 264,646
Real estate 0 0 0
Other assets 0 0 0
Total assets 172,800 +303,986 476,786

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 47.7% on my way to achive my FIRE target of GBP 1,000,000. This is 1.6 percentage points closer, compared to the last net worth update.

GBP 476,786 FIRE target: GBP 1,000,000


47.7%

FI portfolio

My FI portfolio now consists of GBP 122,808 (25.8%) in investments, GBP 264,646 (55.5%) in retirement accounts, and GBP 89,332 (18.7%) in cash.

Investments

Since my last update, my investments increased with GBP 5,165 (4.39%), of which GBP 100 was from contributions, and GBP -13,738 was from returns.

Since I started tracking, my total contributions have been GBP 157,236, and my total return has been GBP 18,448.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 11,231 (4.43%), of which GBP 3,841 was from contributions , and GBP -38,284 was from returns.

Since I started tracking, my total contributions have been GBP 349,928, and my total return is GBP 158,924.




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

If I quit working today, my monthly pay out would be GBP 1,589 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,589/month
(4.0% SWR)
1,390/month
(3.5% SWR)
1,191/month
(3.0% SWR)


When can I retire?

FI date

My age

51

I am currently aiming to save/invest approximately GBP 5,000 each month.

Assuming an annual return of 6% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 1 years and 6 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another GBP 315,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 208,214


Financial independence forecast