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Net worth update per


This is cybernaut's #34 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 795,270 and my FI portfolio decreased to GBP 513,200


Net worth

GBP 795,270

Since the last update on my net worth has decreased with GBP -18,010 ( -2.21 %).

FI portfolio

GBP 513,200

Since the last update on my FI portfolio has decreased with GBP -18,300 ( -3.44 %).

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 152,000 -8,000 144,000
Retirement acc 373,500 -10,300 363,200
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 831,500 -18,300 813,200

Mortgage 18,220 -290 17,930
Other debt 0 0 0
Total debt 18,220 -290 17,930
Change
Cash 6,000 0 6,000
Investments 173,800 -29,800 144,000
Retirement acc 407,700 -44,500 363,200
Real estate 300,000 0 300,000
Other assets 0 0 0
Total assets 887,500 -74,300 813,200

Mortgage 19,610 -1,680 17,930
Other debt 0 0 0
Total debt 19,610 -1,680 17,930
Change
Cash 6,000 0 6,000
Investments 89,000 +55,000 144,000
Retirement acc 283,000 +80,200 363,200
Real estate 280,000 + 20,000 300,000
Other assets 0 0 0
Total assets 658,000 +155,200 813,200

Mortgage 27,000 -9,070 17,930
Other debt 0 0 0
Total debt 27,000 -9,070 17,930

I am now 42.8% on my way to achive my FIRE target of GBP 1,200,000. This is -1.5 percentage points closer, compared to the last net worth update.

GBP 513,200 FIRE target: GBP 1,200,000


42.8%

FI portfolio

My FI portfolio now consists of GBP 144,000 (28.1%) in investments, GBP 363,200 (70.8%) in retirement accounts, and GBP 6,000 (1.2%) in cash.

Investments

Since my last update, my investments decreased with GBP -8,000 (-5.26%).

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 decreased with GBP -10,300 (-2.76%), 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 1,710 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,710/month
(4.0% SWR)
1,496/month
(3.5% SWR)
1,283/month
(3.0% SWR)


When can I retire?

FI date

My age

51

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 3 years and 10 months, in , and at that time I will be 51 years old.

By that time I will have invested/saved another GBP 231,200, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 455,600


Financial independence forecast