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Net worth update per


This is Cloudstrife's #13 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 240,712 and my FI portfolio increased to GBP 129,712


Net worth

GBP 240,712

Since the last update on my net worth has increased with GBP 11,894 (+ 5.2 %).

FI portfolio

GBP 129,712

Since the last update on my FI portfolio has increased with GBP 4,744 (+ 3.8 %).

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 63,592 -88 63,504
Investments 19,870 +3,475 23,345
Retirement acc 41,506 +1,357 42,863
Real estate 187,250 + 1,750 189,000
Other assets 0 0 0
Total assets 312,218 +6,494 318,712

Mortgage 83,400 -5,400 78,000
Other debt 0 0 0
Total debt 83,400 -5,400 78,000
Change
Cash 64,559 -1,055 63,504
Investments 17,339 +6,006 23,345
Retirement acc 40,566 +2,297 42,863
Real estate 185,500 + 3,500 189,000
Other assets 0 0 0
Total assets 307,964 +10,748 318,712

Mortgage 85,000 -7,000 78,000
Other debt 0 0 0
Total debt 85,000 -7,000 78,000
Change
Cash 3,966 +59,538 63,504
Investments 200 +23,145 23,345
Retirement acc 15,189 +27,674 42,863
Real estate 147,000 + 42,000 189,000
Other assets 0 0 0
Total assets 166,355 +152,357 318,712

Mortgage 126,460 -48,460 78,000
Other debt 0 0 0
Total debt 126,460 -48,460 78,000

I am now 13.0% on my way to achive my FIRE target of GBP 1,000,000. This is 0.5 percentage points closer, compared to the last net worth update.

GBP 129,712 FIRE target: GBP 1,000,000


13.0%

FI portfolio

My FI portfolio now consists of GBP 23,345 (18.0%) in investments, GBP 42,863 (33.0%) in retirement accounts, and GBP 63,504 (49.0%) in cash.

Investments

Since my last update, my investments increased with GBP 3,475 (17.49%), of which GBP 6,250 was from contributions, and GBP 11,207 was from returns.

Since I started tracking, my total contributions have been GBP 47,500, and my total return has been GBP 16,703.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 1,357 (3.27%), of which GBP 15,605 was from contributions , and GBP 13,764 was from returns.

Since I started tracking, my total contributions have been GBP 55,595, and my total return is GBP 22,180.




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

If I quit working today, my monthly pay out would be GBP 432 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
432/month
(4.0% SWR)
378/month
(3.5% SWR)
324/month
(3.0% SWR)


When can I retire?

FI date

My age

58

I am currently aiming to save/invest approximately GBP 1,842 each month.

Assuming an annual return of 5% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,000,000 in 16 years and 6 months, in , and at that time I will be 58 years old.

By that time I will have invested/saved another GBP 432,870, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 437,418


Financial independence forecast