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Net worth update per


This is Cloudstrife's #10 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 220,169 and my FI portfolio increased to GBP 121,294


Net worth

GBP 220,169

Since the last update on my net worth has increased with GBP 55,167 (+ 33.43 %).

FI portfolio

GBP 121,294

Since the last update on my FI portfolio has increased with GBP 49,917 (+ 69.93 %).

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 17,959 +47,523 65,482
Investments 14,552 +1,170 15,722
Retirement acc 38,866 +1,224 40,090
Real estate 182,875 + 1,750 184,625
Other assets 0 0 0
Total assets 254,252 +51,667 305,919

Mortgage 89,250 -3,500 85,750
Other debt 0 0 0
Total debt 89,250 -3,500 85,750
Change
Cash 15,732 +49,750 65,482
Investments 8,758 +6,964 15,722
Retirement acc 29,151 +10,939 40,090
Real estate 175,000 + 9,625 184,625
Other assets 0 0 0
Total assets 228,641 +77,278 305,919

Mortgage 104,000 -18,250 85,750
Other debt 0 0 0
Total debt 104,000 -18,250 85,750
Change
Cash 3,966 +61,516 65,482
Investments 200 +15,522 15,722
Retirement acc 15,189 +24,901 40,090
Real estate 147,000 + 37,625 184,625
Other assets 0 0 0
Total assets 166,355 +139,564 305,919

Mortgage 126,460 -40,710 85,750
Other debt 0 0 0
Total debt 126,460 -40,710 85,750

I am now 12.1% on my way to achive my FIRE target of GBP 1,000,000. This is 5.0 percentage points closer, compared to the last net worth update.

GBP 121,294 FIRE target: GBP 1,000,000


12.1%

FI portfolio

My FI portfolio now consists of GBP 15,722 (13.0%) in investments, GBP 40,090 (33.1%) in retirement accounts, and GBP 65,482 (54.0%) in cash.

Investments

Since my last update, my investments increased with GBP 1,170 (8.04%), of which GBP 6,250 was from contributions, and GBP 11,207 was from returns.

Since I started tracking, my total contributions have been GBP 47,500, and my total return has been GBP 16,703.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 1,224 (3.15%), of which GBP 15,605 was from contributions , and GBP 13,764 was from returns.

Since I started tracking, my total contributions have been GBP 55,595, and my total return is GBP 22,180.




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

If I quit working today, my monthly pay out would be GBP 404 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
404/month
(4.0% SWR)
353/month
(3.5% SWR)
303/month
(3.0% SWR)


When can I retire?

FI date

My age

58

I am currently aiming to save/invest approximately GBP 1,842 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 16 years and 4 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another GBP 440,238, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 438,468


Financial independence forecast