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Net worth update per


This is _o_'s #86 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 52,518 and my FI portfolio increased to GBP 12,178


Net worth

GBP 52,518

Since the last update on my net worth has increased with GBP 1,604 (+ 3.15 %).

FI portfolio

GBP 12,178

Since the last update on my FI portfolio has increased with GBP 200 (+ 1.67 %).

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 3,778 0 3,778
Investments 0 0 0
Retirement acc 8,200 +200 8,400
Real estate 119,079 + 1,184 120,263
Other assets 0 0 0
Total assets 131,057 +1,384 132,441

Mortgage 80,143 -220 79,923
Other debt 0 0 0
Total debt 80,143 -220 79,923
Change
Cash 3,778 0 3,778
Investments 0 0 0
Retirement acc 8,000 +400 8,400
Real estate 117,894 + 2,369 120,263
Other assets 0 0 0
Total assets 129,672 +2,769 132,441

Mortgage 80,363 -440 79,923
Other debt 0 0 0
Total debt 80,363 -440 79,923
Change
Cash 83 +3,695 3,778
Investments 0 0 0
Retirement acc 0 +8,400 8,400
Real estate 0 + 120,263 120,263
Other assets 0 0 0
Total assets 83 +132,358 132,441

Mortgage 0 79,923 79,923
Other debt 0 0 0
Total debt 0 + 79,923 79,923

I am now 1.9% on my way to achive my FIRE target of GBP 625,000. This is 0.0 percentage points closer, compared to the last net worth update.

GBP 12,178 FIRE target: GBP 625,000


1.9%

FI portfolio

My FI portfolio now consists of GBP 8,400 (69.0%) in retirement accounts, and GBP 3,778 (31.0%) in cash.

Investments

Since my last update, my investments decreased with GBP 0 (0%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 200 (2.44%).




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

If I quit working today, my monthly pay out would be GBP 40 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
40/month
(4.0% SWR)
35/month
(3.5% SWR)
30/month
(3.0% SWR)


When can I retire?

FI date

My age

45

I am currently aiming to save/invest approximately GBP 1,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 625,000 in 18 years and 0 months, in , and at that time I will be 45 years old.

By that time I will have invested/saved another GBP 254,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 358,822


Financial independence forecast