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Net worth update per


This is theflairbunny's #39 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 282,930 and my FI portfolio increased to GBP 290,100


Net worth

GBP 282,930

Since the last update on my net worth has increased with GBP 4,004 (+ 1.44 %).

FI portfolio

GBP 290,100

Since the last update on my FI portfolio has increased with GBP 4,004 (+ 1.4 %).

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 19,243 -7,392 11,851
Investments 179,781 +12,538 192,319
Retirement acc 87,072 -1,142 85,930
Real estate 0 0 0
Other assets 0 0 0
Total assets 286,096 +4,004 290,100

Mortgage 0 0 0
Other debt 7,170 0 7,170
Total debt 7,170 0 7,170
Change
Cash 62,851 -51,000 11,851
Investments 127,835 +64,484 192,319
Retirement acc 80,940 +4,990 85,930
Real estate 0 0 0
Other assets 0 0 0
Total assets 271,626 +18,474 290,100

Mortgage 0 0 0
Other debt 7,123 + 47 7,170
Total debt 7,123 + 47 7,170
Change
Cash 2,082 +9,769 11,851
Investments 3,137 +189,182 192,319
Retirement acc 7,160 +78,770 85,930
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +277,721 290,100

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

I am now 48.4% on my way to achive my FIRE target of GBP 600,000. This is 0.7 percentage points closer, compared to the last net worth update.

GBP 290,100 FIRE target: GBP 600,000


48.4%

FI portfolio

My FI portfolio now consists of GBP 192,319 (66.3%) in investments, GBP 85,930 (29.6%) in retirement accounts, and GBP 11,851 (4.1%) in cash.

Investments

Since my last update, my investments increased with GBP 12,538 (6.97%), of which GBP 20,000 was from contributions, and GBP -51,078 was from returns.

Since I started tracking, my total contributions have been GBP 265,377, and my total return has been GBP 56,874.

Retirement accounts

Since my last update, my retirement accounts decreased with GBP -1,142 (-1.31%).

Since I started tracking, my total contributions have been GBP 106,397, and my total return is GBP 17,192.




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

If I quit working today, my monthly pay out would be GBP 967 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
967/month
(4.0% SWR)
846/month
(3.5% SWR)
725/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 0 years and 2 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 87,900


Financial independence forecast