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Net worth update per


This is theflairbunny's #33 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 264,503 and my FI portfolio increased to GBP 271,626


Net worth

GBP 264,503

Since the last update on my net worth has increased with GBP 6,729 (+ 2.61 %).

FI portfolio

GBP 271,626

Since the last update on my FI portfolio has increased with GBP 6,729 (+ 2.54 %).

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 34,841 +28,010 62,851
Investments 148,410 -20,575 127,835
Retirement acc 81,646 -706 80,940
Real estate 0 0 0
Other assets 0 0 0
Total assets 264,897 +6,729 271,626

Mortgage 0 0 0
Other debt 7,123 0 7,123
Total debt 7,123 0 7,123
Change
Cash 29,409 +33,442 62,851
Investments 85,194 +42,641 127,835
Retirement acc 43,277 +37,663 80,940
Real estate 0 0 0
Other assets 0 0 0
Total assets 157,880 +113,746 271,626

Mortgage 0 0 0
Other debt 9,687 -2,564 7,123
Total debt 9,687 -2,564 7,123
Change
Cash 2,082 +60,769 62,851
Investments 3,137 +124,698 127,835
Retirement acc 7,160 +73,780 80,940
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +259,247 271,626

Mortgage 0 0 0
Other debt 15,575 -8,452 7,123
Total debt 15,575 -8,452 7,123

I am now 45.3% on my way to achive my FIRE target of GBP 600,000. This is 1.1 percentage points closer, compared to the last net worth update.

GBP 271,626 FIRE target: GBP 600,000


45.3%

FI portfolio

My FI portfolio now consists of GBP 127,835 (47.1%) in investments, GBP 80,940 (29.8%) in retirement accounts, and GBP 62,851 (23.1%) in cash.

Investments

Since my last update, my investments decreased with GBP -20,575 (-13.86%).

Since I started tracking, my total contributions have been GBP 235,377, and my total return has been GBP 72,674.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -706 (-0.86%).

Since I started tracking, my total contributions have been GBP 86,397, and my total return is GBP 22,884.




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

If I quit working today, my monthly pay out would be GBP 905 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
905/month
(4.0% SWR)
792/month
(3.5% SWR)
679/month
(3.0% SWR)


When can I retire?

FI date

My age

33

I am currently aiming to save/invest approximately GBP 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 600,000 in 0 years and 11 months, in , and at that time I will be 33 years old.

By that time I will have invested/saved another GBP 240,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 88,374


Financial independence forecast