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Net worth update per


This is crazy's #6 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 590,000 and my FI portfolio increased to GBP 445,000


Net worth

GBP 590,000

Since the last update on my net worth has increased with GBP 57,834 (+ 10.87 %).

FI portfolio

GBP 445,000

Since the last update on my FI portfolio has increased with GBP 42,334 (+ 10.51 %).

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 317,000 0 317,000
Investments 55,333 +667 56,000
Retirement acc 30,333 +41,667 72,000
Real estate 207,500 + 2,500 210,000
Other assets 20,000 + 10,000 30,000
Total assets 630,166 +54,834 685,000

Mortgage 98,000 -3,000 95,000
Other debt 0 0 0
Total debt 98,000 -3,000 95,000
Change
Cash 166,535 +150,465 317,000
Investments 40,000 +16,000 56,000
Retirement acc 14,000 +58,000 72,000
Real estate 177,375 + 32,625 210,000
Other assets 25,000 + 5,000 30,000
Total assets 422,910 +262,090 685,000

Mortgage 117,000 -22,000 95,000
Other debt 0 0 0
Total debt 117,000 -22,000 95,000
Change
Cash 70,000 +247,000 317,000
Investments 0 +56,000 56,000
Retirement acc 4,000 +68,000 72,000
Real estate 161,250 + 48,750 210,000
Other assets 0 + 30,000 30,000
Total assets 235,250 +449,750 685,000

Mortgage 137,250 -42,250 95,000
Other debt 0 0 0
Total debt 137,250 -42,250 95,000

I am now 23.6% on my way to achive my FIRE target of GBP 1,888,888. This is 2.2 percentage points closer, compared to the last net worth update.

GBP 445,000 FIRE target: GBP 1,888,888


23.6%

FI portfolio

My FI portfolio now consists of GBP 56,000 (12.6%) in investments, GBP 72,000 (16.2%) in retirement accounts, and GBP 317,000 (71.2%) in cash.

Investments

Since my last update, my investments increased with GBP 667 (1.21%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 41,667 (137.37%).




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

If I quit working today, my monthly pay out would be GBP 1,483 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,483/month
(4.0% SWR)
1,297/month
(3.5% SWR)
1,112/month
(3.0% SWR)


When can I retire?

FI date

My age

46

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 11 months, in , and at that time I will be 46 years old.

By that time I will have invested/saved another GBP 612,500, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 831,388


Financial independence forecast