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Net worth update per


This is crazy's #8 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 906,450 and my FI portfolio increased to GBP 754,450


Net worth

GBP 906,450

Since the last update on my net worth has increased with GBP 171,450 (+ 23.33 %).

FI portfolio

GBP 754,450

Since the last update on my FI portfolio has increased with GBP 165,450 (+ 28.09 %).

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 427,000 +113,450 540,450
Investments 59,000 +1,000 60,000
Retirement acc 103,000 +51,000 154,000
Real estate 210,000 + 5,000 215,000
Other assets 30,000 0 30,000
Total assets 829,000 +170,450 999,450

Mortgage 94,000 -1,000 93,000
Other debt 0 0 0
Total debt 94,000 -1,000 93,000
Change
Cash 317,000 +223,450 540,450
Investments 56,000 +4,000 60,000
Retirement acc 72,000 +82,000 154,000
Real estate 210,000 + 5,000 215,000
Other assets 30,000 0 30,000
Total assets 685,000 +314,450 999,450

Mortgage 95,000 -2,000 93,000
Other debt 0 0 0
Total debt 95,000 -2,000 93,000
Change
Cash 70,000 +470,450 540,450
Investments 0 +60,000 60,000
Retirement acc 4,000 +150,000 154,000
Real estate 161,250 + 53,750 215,000
Other assets 0 + 30,000 30,000
Total assets 235,250 +764,200 999,450

Mortgage 137,250 -44,250 93,000
Other debt 0 0 0
Total debt 137,250 -44,250 93,000

I am now 39.9% on my way to achive my FIRE target of GBP 1,888,888. This is 8.8 percentage points closer, compared to the last net worth update.

GBP 754,450 FIRE target: GBP 1,888,888


39.9%

FI portfolio

My FI portfolio now consists of GBP 60,000 (8.0%) in investments, GBP 154,000 (20.4%) in retirement accounts, and GBP 540,450 (71.6%) in cash.

Investments

Since my last update, my investments increased with GBP 1,000 (1.69%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 51,000 (49.51%).




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

If I quit working today, my monthly pay out would be GBP 2,514 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
2,514/month
(4.0% SWR)
2,200/month
(3.5% SWR)
1,886/month
(3.0% SWR)


When can I retire?

FI date

My age

41

I am currently aiming to save/invest approximately GBP 2,500 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,888,888 in 13 years and 3 months, in , and at that time I will be 41 years old.

By that time I will have invested/saved another GBP 462,500, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 671,938


Financial independence forecast