Net worth update per

This is my #23 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 186,440 and my FI portfolio decreased to GBP 22,916

Net worth

GBP 186,440

Since the last update on my net worth has decreased with GBP -827 ( -0.44 %).

FI portfolio

GBP 22,916

Since the last update on my FI portfolio has decreased with GBP -1,549 ( -6.33 %).

Net worth
FI portfolio

The changes for each asset class is shown in the table below. All numbers are in GBP.

I am now 4.6% on my way to achive my FIRE target of GBP 500,000. This is -0.3 percentage points closer, compared to the last net worth update.

GBP 22,916 FIRE target: GBP 500,000


FI portfolio

My FI portfolio now consists of GBP 7,813 (34.1%) in investments, GBP 8,041 (35.1%) in retirement accounts, and GBP 7,062 (30.8%) in cash.


Since my last update, my investments increased with GBP 1,110 (16.56%).

Since I started tracking, my total contributions have been GBP 6,760, and my total return has been GBP 3,699.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 486 (6.43%).

Since I started tracking, my total contributions have been GBP 2,079, and my total return is GBP 7,111.

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

If I quit working today, my monthly pay out would be GBP 76 for the rest of my life.

Monthly SWR amount
Retire today with (GBP)
(4.0% SWR)
(3.5% SWR)
(3.0% SWR)

When can I retire?

FI date

My age


I am currently aiming to save/invest approximately GBP 450 each month.

Assuming an annual return of 8% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 500,000 in 23 years and 4 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another GBP 128,250, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 348,834

Financial independence forecast