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Net worth update per


This is cybernaut's #28 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 867,890 and my FI portfolio increased to GBP 587,500


Net worth

GBP 867,890

Since the last update on my net worth has increased with GBP 16,380 (+ 1.92 %).

FI portfolio

GBP 587,500

Since the last update on my FI portfolio has increased with GBP 16,100 (+ 2.82 %).

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 6,000 0 6,000
Investments 168,700 +5,100 173,800
Retirement acc 396,700 +11,000 407,700
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 871,400 +16,100 887,500

Mortgage 19,890 -280 19,610
Other debt 0 0 0
Total debt 19,890 -280 19,610
Change
Cash 6,000 0 6,000
Investments 124,500 +49,300 173,800
Retirement acc 336,100 +71,600 407,700
Real estate 280,000 + 20,000 300,000
Other assets 0 0 0
Total assets 746,600 +140,900 887,500

Mortgage 23,000 -3,390 19,610
Other debt 0 0 0
Total debt 23,000 -3,390 19,610
Change
Cash 6,000 0 6,000
Investments 89,000 +84,800 173,800
Retirement acc 283,000 +124,700 407,700
Real estate 280,000 + 20,000 300,000
Other assets 0 0 0
Total assets 658,000 +229,500 887,500

Mortgage 27,000 -7,390 19,610
Other debt 0 0 0
Total debt 27,000 -7,390 19,610

I am now 49.0% on my way to achive my FIRE target of GBP 1,200,000. This is 1.3 percentage points closer, compared to the last net worth update.

GBP 587,500 FIRE target: GBP 1,200,000


49.0%

FI portfolio

My FI portfolio now consists of GBP 173,800 (29.6%) in investments, GBP 407,700 (69.4%) in retirement accounts, and GBP 6,000 (1.0%) in cash.

Investments

Since my last update, my investments increased with GBP 5,100 (3.02%).

Since I started tracking, my total contributions have been GBP 127,700, and my total return has been GBP 25,200.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 11,000 (2.77%), of which GBP 3,216 was from contributions , and GBP 12,984 was from returns.

Since I started tracking, my total contributions have been GBP 74,497, and my total return is GBP 107,303.




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

If I quit working today, my monthly pay out would be GBP 1,958 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,958/month
(4.0% SWR)
1,713/month
(3.5% SWR)
1,468/month
(3.0% SWR)


When can I retire?

FI date

My age

49

I am currently aiming to save/invest approximately GBP 3,400 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,200,000 in 2 years and 6 months, in , and at that time I will be 49 years old.

By that time I will have invested/saved another GBP 197,200, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 415,300


Financial independence forecast