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Net worth update per


This is theflairbunny's #34 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 267,465 and my FI portfolio increased to GBP 274,588


Net worth

GBP 267,465

Since the last update on my net worth has increased with GBP 2,962 (+ 1.12 %).

FI portfolio

GBP 274,588

Since the last update on my FI portfolio has increased with GBP 2,962 (+ 1.09 %).

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 62,851 -18,963 43,888
Investments 127,835 +11,452 139,287
Retirement acc 80,940 +10,473 91,413
Real estate 0 0 0
Other assets 0 0 0
Total assets 271,626 +2,962 274,588

Mortgage 0 0 0
Other debt 7,123 0 7,123
Total debt 7,123 0 7,123
Change
Cash 62,851 -18,963 43,888
Investments 127,835 +11,452 139,287
Retirement acc 80,940 +10,473 91,413
Real estate 0 0 0
Other assets 0 0 0
Total assets 271,626 +2,962 274,588

Mortgage 0 0 0
Other debt 7,123 0 7,123
Total debt 7,123 0 7,123
Change
Cash 2,082 +41,806 43,888
Investments 3,137 +136,150 139,287
Retirement acc 7,160 +84,253 91,413
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +262,209 274,588

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

I am now 45.8% on my way to achive my FIRE target of GBP 600,000. This is 0.5 percentage points closer, compared to the last net worth update.

GBP 274,588 FIRE target: GBP 600,000


45.8%

FI portfolio

My FI portfolio now consists of GBP 139,287 (50.7%) in investments, GBP 91,413 (33.3%) in retirement accounts, and GBP 43,888 (16.0%) in cash.

Investments

Since my last update, my investments increased with GBP 11,452 (8.96%), of which GBP 20,000 was from contributions, and GBP -51,078 was from returns.

Since I started tracking, my total contributions have been GBP 265,377, and my total return has been GBP 56,874.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 10,473 (12.94%).

Since I started tracking, my total contributions have been GBP 106,397, and my total return is GBP 17,192.




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

If I quit working today, my monthly pay out would be GBP 915 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
915/month
(4.0% SWR)
800/month
(3.5% SWR)
686/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 0 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 85,412


Financial independence forecast