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Net worth update per


This is _o_'s #103 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 102,397 and my FI portfolio increased to GBP 42,076


Net worth

GBP 102,397

Since the last update on my net worth has increased with GBP 8,874 (+ 9.49 %).

FI portfolio

GBP 42,076

Since the last update on my FI portfolio has increased with GBP 5,557 (+ 15.22 %).

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 7,634 +1,878 9,512
Investments 2,913 +964 3,877
Retirement acc 25,972 +2,715 28,687
Real estate 140,000 + 4,000 144,000
Other assets 0 0 0
Total assets 176,519 +9,557 186,076

Mortgage 76,309 -230 76,079
Other debt 6,687 + 913 7,600
Total debt 82,996 + 683 83,679
Change
Cash 902 +8,610 9,512
Investments 7,011 -3,134 3,877
Retirement acc 23,612 +5,075 28,687
Real estate 132,000 + 12,000 144,000
Other assets 0 0 0
Total assets 163,525 +22,551 186,076

Mortgage 77,674 -1,595 76,079
Other debt 1,119 + 6,481 7,600
Total debt 78,793 + 4,886 83,679
Change
Cash 83 +9,429 9,512
Investments 0 +3,877 3,877
Retirement acc 0 +28,687 28,687
Real estate 0 + 144,000 144,000
Other assets 0 0 0
Total assets 83 +185,993 186,076

Mortgage 0 76,079 76,079
Other debt 0 + 7,600 7,600
Total debt 0 + 83,679 83,679

I am now 6.7% on my way to achive my FIRE target of GBP 625,000. This is 0.9 percentage points closer, compared to the last net worth update.

GBP 42,076 FIRE target: GBP 625,000


6.7%

FI portfolio

My FI portfolio now consists of GBP 3,877 (9.2%) in investments, GBP 28,687 (68.2%) in retirement accounts, and GBP 9,512 (22.6%) in cash.

Investments

Since my last update, my investments increased with GBP 964 (33.09%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 2,715 (10.45%).




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

If I quit working today, my monthly pay out would be GBP 140 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
140/month
(4.0% SWR)
122/month
(3.5% SWR)
105/month
(3.0% SWR)


When can I retire?

FI date

My age

44

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 17 years and 6 months, in , and at that time I will be 44 years old.

By that time I will have invested/saved another GBP 231,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 351,924


Financial independence forecast