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Net worth update per


This is theflairbunny's #40 net worth update. Please check out my profile here for more information. As of , my net worth decreased to GBP 281,775 and my FI portfolio decreased to GBP 288,945


Net worth

GBP 281,775

Since the last update on my net worth has decreased with GBP -1,155 ( -0.41 %).

FI portfolio

GBP 288,945

Since the last update on my FI portfolio has decreased with GBP -1,155 ( -0.4 %).

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 11,851 -3,288 8,563
Investments 192,319 +4,619 196,938
Retirement acc 85,930 -2,486 83,444
Real estate 0 0 0
Other assets 0 0 0
Total assets 290,100 -1,155 288,945

Mortgage 0 0 0
Other debt 7,170 0 7,170
Total debt 7,170 0 7,170
Change
Cash 62,851 -54,288 8,563
Investments 127,835 +69,103 196,938
Retirement acc 80,940 +2,504 83,444
Real estate 0 0 0
Other assets 0 0 0
Total assets 271,626 +17,319 288,945

Mortgage 0 0 0
Other debt 7,123 + 47 7,170
Total debt 7,123 + 47 7,170
Change
Cash 2,082 +6,481 8,563
Investments 3,137 +193,801 196,938
Retirement acc 7,160 +76,284 83,444
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +276,566 288,945

Mortgage 0 0 0
Other debt 15,575 -8,405 7,170
Total debt 15,575 -8,405 7,170

I am now 48.2% on my way to achive my FIRE target of GBP 600,000. This is -0.2 percentage points closer, compared to the last net worth update.

GBP 288,945 FIRE target: GBP 600,000


48.2%

FI portfolio

My FI portfolio now consists of GBP 196,938 (68.2%) in investments, GBP 83,444 (28.9%) in retirement accounts, and GBP 8,563 (3.0%) in cash.

Investments

Since my last update, my investments increased with GBP 4,619 (2.4%).

Since I started tracking, my total contributions have been GBP 235,377, and my total return has been GBP 72,674.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -2,486 (-2.89%).

Since I started tracking, my total contributions have been GBP 86,397, and my total return is GBP 22,884.




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

If I quit working today, my monthly pay out would be GBP 963 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
963/month
(4.0% SWR)
842/month
(3.5% SWR)
722/month
(3.0% SWR)


When can I retire?

FI date

My age

34

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 1 years and 3 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another GBP 222,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 89,055


Financial independence forecast