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Net worth update per


This is Cloudstrife's #11 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 222,964 and my FI portfolio increased to GBP 122,464


Net worth

GBP 222,964

Since the last update on my net worth has increased with GBP 2,795 (+ 1.27 %).

FI portfolio

GBP 122,464

Since the last update on my FI portfolio has increased with GBP 1,170 (+ 0.96 %).

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 65,482 -923 64,559
Investments 15,722 +1,617 17,339
Retirement acc 40,090 +476 40,566
Real estate 184,625 + 875 185,500
Other assets 0 0 0
Total assets 305,919 +2,045 307,964

Mortgage 85,750 -750 85,000
Other debt 0 0 0
Total debt 85,750 -750 85,000
Change
Cash 15,732 +48,827 64,559
Investments 8,758 +8,581 17,339
Retirement acc 29,151 +11,415 40,566
Real estate 175,000 + 10,500 185,500
Other assets 0 0 0
Total assets 228,641 +79,323 307,964

Mortgage 104,000 -19,000 85,000
Other debt 0 0 0
Total debt 104,000 -19,000 85,000
Change
Cash 3,966 +60,593 64,559
Investments 200 +17,139 17,339
Retirement acc 15,189 +25,377 40,566
Real estate 147,000 + 38,500 185,500
Other assets 0 0 0
Total assets 166,355 +141,609 307,964

Mortgage 126,460 -41,460 85,000
Other debt 0 0 0
Total debt 126,460 -41,460 85,000

I am now 12.2% on my way to achive my FIRE target of GBP 1,000,000. This is 0.1 percentage points closer, compared to the last net worth update.

GBP 122,464 FIRE target: GBP 1,000,000


12.2%

FI portfolio

My FI portfolio now consists of GBP 17,339 (14.2%) in investments, GBP 40,566 (33.1%) in retirement accounts, and GBP 64,559 (52.7%) in cash.

Investments

Since my last update, my investments increased with GBP 1,617 (10.28%), of which GBP 5,000 was from contributions, and GBP 3,341 was from returns.

Since I started tracking, my total contributions have been GBP 41,250, and my total return has been GBP 5,496.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 476 (1.19%), of which GBP 10,897 was from contributions , and GBP 3,116 was from returns.

Since I started tracking, my total contributions have been GBP 39,990, and my total return is GBP 8,416.




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

If I quit working today, my monthly pay out would be GBP 408 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
408/month
(4.0% SWR)
357/month
(3.5% SWR)
306/month
(3.0% SWR)


When can I retire?

FI date

My age

61

I am currently aiming to save/invest approximately GBP 1,339 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 21 years and 0 months, in , and at that time I will be 61 years old.

By that time I will have invested/saved another GBP 376,259, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 501,277


Financial independence forecast